Tag Archives: marketing

Obamacare notice to employees: Same deadline, no penalty

Update on ObamaCare Letters: Oct. 1 Deadline Stands, But No Fines or Penalties for Not Sending Letter | Fox Small Business Center.

 

Sept. 12 Update: The below report was originally published on Sept. 9. On Sept. 12, the SBA posted a blog stating “there is no fine or penalty under the law for failing to provide the notice.” But also said the letter deadline stands, meaning if “your company is covered by the Fair Labor Standards Act, you must provide a written notice to your employees about the Health Insurance Marketplace by October 1, 2013.”

You can get froms, either generic or Colorado specific on the resources web page (scroll down to Business Owner Notification….).

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States marketing ‘ObamaCare’ with other names to bolster enrollment | Fox News

States marketing ‘ObamaCare’ with other names to bolster enrollment | Fox News.

States running their own insurance programs as part of the Affordable Care Act have marketing and enrollment strategies that are sidestepping references to the words “ObamaCare,” a term that has largely come to be associated with the unpopularity of the plan.

And “exchanges” are now called “marketplaces”.

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Is Obamacare the law of the land?

Oh really?: Poll: 44 Percent Of Americans Unsure If ‘Obamacare’ Is Still A Law « CBS DC.

According to an August Kaiser Health Tracking poll, those Americans, who account for 44 percent of the nation, remain unsure if the Affordable Care Act – often referred to as “Obamacare” – is in effect, even as the Oct. 1 launch date of the health insurance exchange approaches.

Assuming these 44% have a pulse and a radio or TV, it won’t be long until the know. They may or may NOT like what they find out, but believe me they will know it exists.

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PPACA leaves ailing uninsured underwhelmed | LifeHealthPro

Yes, that’s underwhelmed. PPACA leaves ailing uninsured underwhelmed | LifeHealthPro.

Laura Adams, a senior analyst at the quote service, said she was surprised to see how few people with pre-existing conditions are planning to buy health coverage, giving that helping people is key goal of PPACA.

Some PPACA watchers have wondered whether the exchanges will sign up enough healthy new customers to keep the ratio of claims to revenue at a reasonable level.

The new research “suggests that we should also be worried about unhealthy Americans failing to enroll,” Adams said.

Hmmm.

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Dems Offer Free ‘I HEART ObamaCare’ Stickers

Dems Offer Free ‘I HEART ObamaCare’ Stickers.

The DCCC has over 112,000 followers. Just 31 retweeted the message. This could be an ominous sign for Democrats. In a recent poll, just 36% of Americans believed the law would help the middle-class.

Even a perfect implementation of a law as complex as ObamaCare would spark some level of confusion, misunderstanding, and pain. Unfortunately, the implementation of ObamaCare is very far from being perfect. Already, Obama has delayed two important components of the law, the most significant being the delay of the employer mandate.

The employer mandate delay will drive even more people into the federal and state health insurance exchanges, which are scheduled to open on October 1. Because of coverage mandates in the law, premiums for individuals will be higher than those currently offered. Those premiums could skyrocket if young and healthy people decide against purchasing the expensive insurance. The fine for failing to buy insurance is just $92 in the first year.

The DCCC deserves some points for accepting their fate on the law. I don’t expect a lot of Democrat candidates to scoop up their bumper stickers, however.

 

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Walgreen, Blue Cross Want You to Join Obamacare – Businessweek

Walgreen, Blue Cross Want You to Join Obamacare – Businessweek.

As the White House scrambles to get all the Obamacare pieces in place by October and to hold off those who would repeal the law, two big health-care companies have given their support to the rollout. Walgreen (WAG) and the Blue Cross Blue Shield Association—both of which stand to profit from more people getting insurance—have launched a website to explain “how the new health care law affects you.” Walgreen will also provide information to shoppers in its 8,000 stores, Bloomberg News reports.

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Librarian foot soldiers enlisted to help with Obamacare enrollment

Librarian foot soldiers enlisted to help with Obamacare enrollment – Washington Times.

The nation’s librarians will be recruited to help people get signed up for insurance under President Barack Obama’s health care overhaul. Up to 17,000 U.S. libraries will be part of the effort to get information and crucial computer time to the millions of uninsured Americans who need to get coverage under the law.

This sums it up nicely…

“Frankly whether we’re prepared or not, it’s going to happen, so the best way for us to serve the public is to prepare ahead of time,” Hildreth said.

Lissa Staley, a librarian in Topeka, Kan., specializes in health information, and already is helping people figure out their insurance options.

“I talked to a woman this morning who said, ‘I’m a single mom. I make too much money to qualify for Medicaid and my employer will only let me work part time.’ I gave her my card and we’re going to sort through some of her options,” Staley said.

Perhaps librarians should be trained as navigators. Also, don’t forget your local life and health agents!

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Uninsured uninformed about Obamacare

Gallup: In U.S., 43% of Uninsured Unaware They Must Get Coverage.

The vast majority of Americans, 81%, say they are aware of the 2010 Affordable Care Act’s (ACA’s) requirement that most Americans must carry health insurance or pay a fine. Americans who are currently uninsured — those most directly affected by this requirement — are much less likely to be aware of the provision, with 56% saying they know about it and 43% saying they are unaware.

….

The subgroups that are less likely to be aware of the health insurance requirement are also the subgroups that are least likely to be insured, including Hispanics, blacks, young adults, and those in lower-income households.

 

I see LOTS of marketing this summer to reach the uninformed uninsured!

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Colorado Struggles to Educate, Enroll Residents in New Health Insurance Exchange

Colorado Struggles to Educate, Enroll Residents in New Health Insurance Exchange | PBS NewsHour | June 25, 2013 | PBS.

Michelle Bledsoe doesn’t make enough money to afford health insurance and makes too much money to qualify for Medicaid. That’s why she comes to the clinic, where care is offered on a sliding scale.

When the new federal law kicks in next year, many people who come here will likely qualify for a government subsidy that may make coverage affordable; 13 insurance companies have agreed to participate on the Colorado exchange. They will offer more than 240 different plans. Like all the other states, there will be various levels to choose from. In Colorado, a bronze or basic package for a 40-year-old nonsmoker starts at $177 dollars a month.

More generous plans go up from there, silver, $232 dollars, gold, $273 dollars, and the platinum would cost $311 dollars a month for an individual.

A very interesting experiment is about to begin.

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Sebelius in talks with NFL on promoting ObamaCare insurance plans

Sebelius in talks with NFL on promoting ObamaCare insurance plans – The Hill’s Healthwatch.

“We’re having active discussions right now with a variety of sports affiliates” about both paid advertising and partnerships to encourage enrollment, Sebelius told reporters.

HHS is reportedly also in talks with the NBA to promote the law.

Partnerships with sports organizations are especially promising to HHS because the department hopes large numbers of young, healthy men will enroll in the law’s new coverage options.

Attracting young, healthy people will help keep premiums from rising dramatically once the law begins offering new protections for more expensive patients — namely, banning insurance companies from discriminating against people with preexisting conditions.

The cost is much more of a factor than all the marketing in the world.

That said, I would encourage young people to realize that they aren’t immortal and they can NOT get coverage anytime they want. Although the ACA does accept pre-existing conditions, that is ONLY during the open enrollment period. Also, in many cases you may have to wait 15 to 45 days for coverage to start. Be careful out there.

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Two-Thirds of Americans Don’t Know If They Will Insure Under Obamacare

Two-Thirds of Americans Don’t Know If They Will Insure Under Obamacare.

Nearly two-thirds of Americans who currently lack health insurance don’t know yet if they will purchase that coverage by the Jan. 1 deadline set by the ACA, a new survey revealed Monday.

Well, the article already has a factual error. The intial open enrollment period is October 1, 2013 to March 31, 2014. Coverage will not be retroactive and coverage is not immediate. For example, you have to apply by the 15th of the month for coverage to start on the 1st of the next month.

Issue/concerns survey members have:

Quality of coverage:

Nearly 50 percent believe the ACA will make it more difficult for them to get tests and procedures done in a timely manner, according to the phone survey of 1,001 adult Americans conducted in early May

Tax Credit Qualifications:

And a whopping 68 percent of low-income Americans aren’t sure they qualify for tax credits that would subsidize their purchase of health insurance—despite they fact that they almost invariably will qualify, the survey found. That population is most likely to benefit from government subsidies under the health-care reform law.

Pay attention if you don’t enroll…

“I was really shocked that 64 percent [of uninsured adults] said they haven’t decided if they will purchase insurance by the Jan. 1 deadline,” Adams said. “I was definitely surprised by the high number of people who really have no clue what they’re going to do next year.”

“We don’t want these consumers to miss this key deadline,” she said, adding that new heath-care exchanges under Obamacare will begin accepting applications for insurance in less than four months. “They’re going to potentially go without health care for the entire year.”(emphasis added)

NOTE: This is due to open enrollment. There are no major medical plans you can get into outside of open enrollment. There MAY be short term plans and there WILL be indemnity plans but NONE of these plans will cover pre-existing conditions.

Obviously there is a giant marketing problem between now and the end of open enrollment.

Be careful out there!

Obviously I am NOT a fan of Obamacare but you should tread carefully if you decide to go without coverage.

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Colorado health exchange extending hand for Government Cheese

$125 million more requested to implement Obamacare in Colorado | The Daily Caller.

 

Conservative members of a nonprofit organization set up to run Colorado’s Affordable Care Act-mandated state health insurance exchange are reeling from sticker shock over the cost of rolling out the program.

Federal grants have already paid $61 million to set up the one-stop health insurance shop, but the board is now being asked to approve another $125 million federal grant request.

What are the funds being used for?

Of the $125 million more wanted by staff of the exchange, which is called Connect for Health Colorado, $14 million would be earmarked for outreach. The organization estimates that 90 percent of Coloradans don’t know about the exchange, what it does or how to use it.

So what;s the other $111 million going to be used for? There is mention of hiring and training “navigators” but that’s still going to leave $100 million.

Is it possible the exchange isn’t close to ready? Prediction: Chaos

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Holding noses, insurers start hawking Obamacare

Holding noses, insurers start hawking Obamacare – Jennifer Haberkorn – POLITICO.com.

No one has a greater financial stake in the rollout of the new online markets known as exchanges than the insurers. It potentially means millions of new customers for health plans — many of whom would get tax credits to help them pay for insurance.

But if enrollment next October is difficult, or people don’t know how to do it, the very sick could be the ones who sign up. That would leave the insurers with big health bills — and few young and healthy people to spread the risk and the cost.

Then there’s this forcast….

Joel Ario, a managing director of Manatt Health Solutions and former director of the Health and Human Services Office of Insurance Exchanges, expects insurers to be aggressive, in part because of what’s known in the business as “stickiness” — the idea that people tend to stick with the same insurer year in and year out.

“Once somebody chooses an insurer, it’s not that easy to move the business,” Ario said. “That encourages the insurers to be in there from the get-go.”

I don’t agree with his logic. The insurer’s don’t know the health of the risk pool since it’s unclear how many people will sign up so they can’t predict the utilization. Why on earth would they be aggressive in their pricing? The one thing the insurance companies do know for sure is the sick people will be at the front of the line.

Prediction: Chaos

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