CustomHealthPlans

Archive for July, 2010

Custom Health Plans Helps Send Kids to Cowboys Stadium

Tuesday, July 27th, 2010

Last week, a group of kids from the Neighborhood Service Council’s “My Time” summer program got a big surprise: a trip to Cowboys Stadium, complete with a tour and behind-the-scenes access to the field and locker rooms.  Custom Health Plans is a proud sponsor of the NSC, a nonprofit organization that provides after-school programs and a summer day camp to economically disadvantaged children in the area.

The group enjoyed their trip and remarked at the unique experience.  “I can’t believe how I watch it on TV, and I never thought I would be here standing on it but now I am,” said Juan Garcia.  As part of the trip, the kids enjoyed kicking field goals and touring the inside of the Cowboy’s locker room, which featured the players’ jerseys up close.

“[The children's families] don’t have cars, a lot of them, so they walk to the grocery store, to the schools and then home and that’s pretty much all they see…so when we get to come to somewhere like this, it’s really exciting for the kids. It’s an experience they’ll remember for the rest of their lives,” said Shawn Ainsworth, Executive Director of Neighborhood Service Council.

“Helping to provide positive experiences for this group of kids has been very rewarding,” said Richard Monello, President and CEO of Custom Health Plans.  “We’re proud to support the generous efforts performed every day by the NSC.”

Click below to view a video of the NSC’s tour of Cowboys Stadium.

Local Nonprofit Provides New Texas Health Insurance Option

Monday, July 19th, 2010

texas health insuranceTexas has the highest rate of uninsured residents in the country, as nearly one in four Texans is currently living without Texas health insurance. The reasons for remaining uninsured range from high costs to unemployment to employers not offering benefits, but one local nonprofit is hoping to reduce the state’s high number of uninsured inhabitants.

According to the Dallas Morning News, North Texas 3-Share Plan wants to help uninsured employees in Dallas County by providing a relatively inexpensive and subsidized health care option.  The plan launched its first initiative, TexHealth Dallas County, last week in Irving.  The organization is led by Don Spies, who was formerly a Dallas County director of health initiatives.  “We want to focus on preventive care,” Spies said. “There are so many who will forgo care until something gets worse,” and then costs can quickly escalate.

Living without a Texas health insurance plan is particularly troublesome for Texans who work for companies with fewer than 50 employees because more than 60 percent of small businesses do not offer health insurance.  In a multi-share plan like the North Texas 3-Share Plan, the cost burden is partially lifted from the employer without being placed directly on the employee, as a public fund also contributes to create a more affordable Texas health insurance plan. According to the Dallas Morning News:

The 2010 cost is $260 per employee per month, with the employer paying half, the employee liable for $50 and the subsidy paying the remaining $80…The program will be available to small businesses that have not offered group health insurance in the past 12 months. Employees are eligible if they have a pre-tax income of $16 an hour or less, which is about 300 percent of the Federal Poverty Level.

This dramatic cut in health care costs for employees comes at a fortuitous time, as federal health care reform is leading many companies to drop their Texas health insurance plans in order to save money.  If multi-share plans take off and see early success, they may play a big role in providing low-cost Texas health insurance to employees and small businesses affected by such reforms.

Texas Doctors Might Drop Medicaid

Monday, July 12th, 2010

texas medicaidMedicaid patients aren’t popular among doctors, who receive state-subsidized fees significantly lower than traditional market value for their services.  And with provider fees being trimmed another one percent on September 1st, the amount of doctors accepting Medicaid is expected to drop, damaging the state’s delivery of health care to the poor who rely on this form of Texas health insurance.

According to the Dallas Morning News:

The 1 percent trim to provider fees that starts Sept. 1 sounds modest. But doctors, insurance industry officials and health care experts widely see it as the first of many hits coming to doctors’ wallets as Texas’ fiscal woes deepen.  State leaders’ instructions for agencies to identify additional 10 percent budget cuts in the next two-year budget cycle mean more fee cuts may come next summer.

Industry experts believe that further budget reductions could drive doctors from the state and result in more patients seeking emergency room care.  This would be an inauspicious beginning to federal health care reform, which, starting in 2014 will create huge new demands for care by putting more poor adults and children on Medicaid.  This bit of legislation is conservatively estimated to add 1.5 million Texans to Medicaid by 2015.  The number currently stands at about three million.

Expanding the rolls of Medicaid while reducing doctor reimbursements simply won’t work, as fewer doctors will accept these patients.  At the same time, health care reform will expand Texas health insurance rosters in general without expanding the amount of medical professionals to service the newly insured.

Medicaid is a great resource for people who can’t afford traditional Texas health insurance plans, but without the necessary medical network to support these patients, expansion may overburden our already weakened state.

Legislation Likely to Increase Emergency Room Visits

Monday, July 5th, 2010

obamacare to increase emergency room visitsThroughout the administration’s posturing for the benefits of health care reform, a common theme was that the new legislation will allow uninsured individuals to seek less costly and more accessibly care, rather than turning to emergency rooms.  But a recent study by the National Center for Policy Analysis finds that emergency room costs will actually increase under the new health reform legislation.  According to the NCPA:

We find that emergency room costs will increase for two reasons: 1) about half the newly insured will enroll in Medicaid, and Medicaid patients seek emergency room care more often than the uninsured, and 2) while the newly insured will try to increase their consumption of care, the absence of any program to create more providers will force patients to turn to emergency rooms as the outlet for increased demand.

The recently enacted reforms will eventually add more than 30 million people to health insurance rosters, but no measures are being taken to expand the amount of doctors, nurses and medical support staff.  Naturally, this will lead to a severe imbalance in the demand for health care and the available supply.  Since it will be difficult for newly insured patients to see overworked doctors, emergency rooms will be the only place they can receive care.  Another consideration is that approximately half of the newly insured are expected to enroll in Medicaid.  Since many private practitioners do not accept Medicaid patients, the patients will again be forced to seek care at emergency rooms.

So rather than decrease our nation’s dependence on costly emergency room care, health reform legislation is likely to have the opposite effect.  The NCPA projects that “insuring between 32 million and 34 million additional people will generate between 848,000 and 901,000 additional emergency room visits every year.”  This is just another example of the negative impact ObamaCare may have on our already-overburdened health care system and economy.