Posted tagged ‘Green Mountain Care Board Advisory Committee’

Vermont Health Connect – be ready for a new way to pay for Health Insurance in 2014!

May 10, 2013

A new post based on my work with both the Medicaid and Exchange Advisory Board and The Green Mountain Care Board Advisory Committee:  Clarifying what’s next in Health Insurance for Vermont Residents.

VHC Logosizedforwebsite
Starting October 2013, all Vermonters who pay for Health Insurance themselves, Vermonters who don’t have Health Insurance, those who have Medicaid, Dr. Dynasaur, Catamount or Vermont Health Access Program (VHAP), and all Vermonters who work for a company that employs less than 50 people, can buy Health Insurance or sign up for Medicaid, etc. from Vermont Health Connect.

On October 1, 2013 the Vermont Health Connect (VHC) website will be ready for you! (If you don’t use the internet, no worries.  A call center and in person Navigators are also being set up.)

The first question VHC will ask, either on the website, or in person:  “Do you have health insurance though an employer?”

If you answer “No”, there is a second question:  “How old are you?”

If you are 65 or older, VHC will say:  “You are covered by Medicare.”  From the website, you will be able to click on a button and go to the Medicare application page.

If you are 64 or younger VHC will ask:  “How many people in your household?”

The website or Navigator will then tell you:  “If your household income is below a (it will spell out the specific amount based on your household size), you may qualify for a tax credit in 2014.”   Those with household incomes up to 400% of the Federal Poverty Level may qualify.

Some samples of who will qualify for the tax credits:  A single person making less than $45,960; a couple making less than $62,040; a family of four making less than $94,200. (These are based on 2013 estimates and may change slightly for 2014.)  How much you make is listed on your taxes as your modified adjusted gross income, this is the figure Vermont will use.

Starting May 15th, you can go to http://www.vermonthealthconnect.gov and see your tax credit/subsidy estimate on the website.  By the end of May Vermont Health Connect will also have a FaceBook page.

On top of the Vermont State tax credits, there will be some federal subsidies for out of pocket expenses for households making less than 250% of the federal poverty level.

Note: Tax Credits will be available for any person buying their own insurance whose household income is below 400% of the federal poverty level – but not for those who get insurance through their work.

By following website prompts, you will be directed to a page where you can compare Health Insurance plans.  After you input your modified adjusted gross income, the website will figure in the tax credits, and let you know your monthly bill for each plan. When you are ready, you can then choose and purchase your own health insurance.

THE PLANS
All plans offer 10 categories of essential health benefits (see next paragraph) and the following applies:  Any person up to age 26 can be on their parents’ plan.  Preventive care does not have any co-pays.  There will be tax credits and out of pocket limits as noted above.

Essential Health Benefits:  Ambulatory patient services, emergency services, prescription drugs, rehab and chronic disease management, hospitalization, maternity & newborn care, mental health & substance abuse, lab work, preventive wellness and pediatric health including dental and vision.

There are four types of Qualified Health Plans (QHP):  Bronze, Silver, Gold, Platinum.  The higher monthly premium you pay, the more is covered and the less you spend on your own out of pocket costs and co-pays.

On the website you will be able to compare plans side by side and evaluate what is best for you and your family.

Because all plans will have the same benefits, the important choice is how you want to pay for health care. Whether you pay more up-front in premiums and less in out-of-pocket costs, or the reverse, it’s up to you.

For example, if you choose a platinum plan, your monthly premiums will be higher, but what you pay in out of pocket costs will be lower – about ten percent of the actual cost of the visit or procedure. If you choose a bronze plan, you will have lower monthly premiums, but what you pay out of pocket will be higher – about 40 percent of the actual cost of the visit or procedure.

BROKERS & NAVIGATORS
There will be a lot of resources available to assist you with your health insurance purchase either by internet, phone or in person. If you have purchased health insurance through a broker in the past, he or she will still be able to assist you. In addition, “Navigators” will be trained and available to help you figure out which plan is best for you, and to help you enroll. There will also be a Vermont Health Connect call center to help you use the website and understand health insurance options.

ENROLLMENT
You have from 10.1.2013 until  3.31.2014 to enroll in this plan.  If you don’t, there will be a tax penalty!

If you have questions now, please email: vthealthconnect@state.vt.us   You can also sign up for the Vermont Health Connect newsletter at:  http://www.VermontHealthConnect.gov  (Click on:  “Information for You” on the left hand side, then click on “email updates”.)

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Participating in Vermont’s Health Care Evolution

August 13, 2012

Honored to be appointed to two Advisory positions in relation to Vermont’s evolving health care system, I hope to share their workings with my neighbors.

The Green Mountain Care Board Advisory Committee (GMCBAC) is comprised of 41 Vermont residents.  We serve as a public sounding board for the 5 Board Members responsible for planning Vermont’s road map to a health care system that improves health and moderates costs.

The charge of the Medicaid and Exchange Advisory Board (MEAB) is to advise and inform Vermont’s Department of Health Access (DVHA) on policy development and program administration for the state’s Medicaid‐funded programs, and the Vermont Health Benefit Exchange that is being developed.  The Board is comprised of 30 Vermont residents, evenly divided between beneficiaries of Medicaid or Medicaid‐funded programs, individuals, self‐employed individuals, and representatives of small businesses, large employers, insurance carriers, brokers and agents, advocates for consumer organizations, health care professionals and representatives from a broad range of health care professionals.

As the only person to sit on both Advisories, my goal is to facilitate communication between the two groups as well.

Currently Vermont spends approximately 5.3 billion dollars a year on health care, and it does not reach all Vermonters equally.  Both GMCB and DVHA are charged with helping Vermont do a better job; GMCB by creating a path to health care for all Vermonters, DVHA by creating the Health Care Exchange as a step on that path.

Our current “fee for service” system rewards volume over value, often problematic with over diagnosing, over prescribing and over-treatment.  Without knowing the costs of various tests and procedures ordered in the name of preventing malpractice lawsuits, providers do not have the opportunity to weigh options and find the path that leads to the best health outcomes.  With this system, there is no intrinsic need to coordinate care.

GMCB is investigating and evaluating alternative systems including those of other states, other countries, and Vermont’s own IBM.  The focus of 2012 is to review both hospital and insurance rates, and establish pilot projects testing different methods to pay for and improve the quality of health care in Vermont.  These methods include “bundling”, “global budgets” and “population based payments” as well as Accountable Care Organizations.

Bundling is the process of having one fee for all costs associated with a procedure.  Rather than paying each the surgeon, anesthesiologist, hospital, physical therapist, all followup care, etc for their part in a hip replacement, there would be one fee, period.  This would incentivize the group of practitioners to collectively do their best for the patient.

Population Based payment gives a budget to a hospital, for example, for the number of people it serves with outcomes on limited services that must be met.  The hospital can then manage its funds accordingly.

GMBC is poised to submit a State Innovation Model grant application next month for federal funds to implement and test some of the above stated methodologies.

The hospital budget review process typically evaluates how much money was spent providing health care the previous year and projects into the next.  The GMCB goal is to ask, instead, how can better health care be provided next year?  This year a 3.75% targes was set to signal the need to moderate cost.

GMCB’s new Hospital Budget Review publication is available for download at http://gmcboard.vermont.gov/hospitalbudgets    GMCB is seeking public comment until 31 August.  PLEASE check it out, add your comments, concerns or ask your questions.  Alternatively, email Sam.Lacy@State.VT.us , GMCB Administrative Assistant.

GMCB is also working to establish Essential Health Benefits (EHB), per the federal Affordable Card Act, that will be universally available to all Vermonters once the Exchange is in place.  DVHA is making recommendations regarding EHB that include hospitalization, Maternity & Newborn Care, Mental Health, prescription drugs, etc.

The full focus of GMCB, DVHA with the assistance of GMCBAC, MEAB and others, is to assist Vermont in developing a culture of care by moderating cost and improving health.  It is a balancing act between making quality health care available to each Vermonter, and paying providers fairly.  It is also a process of changing our collective vision to focus on positive health outcomes rather than procedures performed or drugs prescribed.

My intention is to write periodic updates regarding Vermont’s Health Care evolution through these two groups.  Feel free to contact me with questions in between:  Julie@LineSync.com