SACRAMENTO – On Friday California Insurance Commissioner Dave Jones and Assembly man Mike Feuer held a media conference call to highlight the critical open-enrollment period for kids’ health insurance that began on Jan. 1 and ends next Tuesday, March 1.
Jones and Feuer were joined on the call by Novato resident, Julie Walters, the parent of a child with a pre-existing condition.
During the open enrollment period, parents can sign up their children for more affordable health insurance.
As a result of President Obama’s federal health care reform plan and AB 2244 by Feuer, children with pre-existing conditions cannot be denied coverage – they also cannot be charged rates that are more than double the rates of healthy kids.
Parents of healthy children without insurance should also sign their kids up during this period; kids who don’t sign up during open enrollment periods may be subject to a 20 percent surcharge on their insurance rates for a full year.
“One of the most important changes that federal health care reform has initiated is allowing for children with pre-existing conditions to attain health coverage,” Commissioner Jones said. “This initial open enrollment window is critical and there are only a few days left before it closes, so parents should take full advantage of it by signing their children up for coverage.”
“Under my new law, kids can receive the health care they need, even if they have a pre-existing condition,” Feuer said. “But it's crucial that parents act during this open enrollment period by signing up their children for health insurance. If they don't act by March 1, covering their kids could be much more expensive.”
Feuer authored legislation, AB 2244, that helps to implement this component of federal health care reform in California.
The new law, which has been in effect since January 1, gives California children access to affordable care and a healthy future by ensuring that certain children cannot be denied coverage or priced out of the market.
It also prohibits insurers that sell individual market policies in California from refusing to sell or renew coverage to children with pre-existing conditions – it also bans insurers from the individual market for five years if they do not sell policies to children.
“Parents need to take this opportunity seriously and enroll their kids immediately, because this is a unique chance to make sure children – especially children with pre-existing conditions – have health coverage at very affordable rates they may not be able to find later on,” Julie Walters said. “Even though my daughter does have health coverage, if anything should happen to that coverage through job loss or other circumstances, it is a tremendous relief to know that she cannot be denied coverage, even with her pre-existing condition.”
วันพุธที่ 9 มีนาคม พ.ศ. 2554
Bill requiring autism insurance coverage signed into law
LITTLE ROCK, Ark. (KTHV) -- Gov. Mike Beebe will sign into law a bill requiring insurance companies to cover autism diagnosis and treatment.
There is new support for autistic children in Arkansas. Tuesday, Governor Mike Beebe signed an autism bill into law. It requires most health insurance companies to cover autism diagnoses and treatment for children under 18.
It's a signature with the power to lift a financial weight. Ten-year-old Briar Miller with his mom Dayna were in the center of it all. "I'm glad the law passed we've been trying to pass it for two years," says Briar Miller.
Most major health insurance companies can no longer deny Arkansas families coverage for treatment for children with autism. "I just truly believe that children in Arkansas deserve the same right as children across the United States especially when it was a research proven approach," says Dayna Miller.
Miller estimates she borrowed $100,000 to pay for applied behavior analysis. It's treatment using positive reinforcement recommended by the National Institute of Child Health and Human Development. Miller says for Briar it works. " He went from a nonverbal child, he's in the fifth grade getting straight A's although he brought home a B last week that's we're going to get up," says Miller.
The CDC estimates that 1 in 110 children are diagnosed with autism and that ABA treatment ranges anywhere from 30 to 60 thousand dollars a year.
Veronica Tess Myers says in 1996, when doctors diagnosed her son Alexander with severe to moderate autism.
You definitely feel alone, there's a lot of tears being cried there's a lot of frustration there's a lot of sitting alone trying to figure out what the next step is going to be to help you child to succeed," says Myers.
They told her told her it was either ABA or a group home for life. "And that's the part that breaks my heart that so many families want to help their child and couldn't get therapy," says Miller.
There is new support for autistic children in Arkansas. Tuesday, Governor Mike Beebe signed an autism bill into law. It requires most health insurance companies to cover autism diagnoses and treatment for children under 18.
It's a signature with the power to lift a financial weight. Ten-year-old Briar Miller with his mom Dayna were in the center of it all. "I'm glad the law passed we've been trying to pass it for two years," says Briar Miller.
Most major health insurance companies can no longer deny Arkansas families coverage for treatment for children with autism. "I just truly believe that children in Arkansas deserve the same right as children across the United States especially when it was a research proven approach," says Dayna Miller.
Miller estimates she borrowed $100,000 to pay for applied behavior analysis. It's treatment using positive reinforcement recommended by the National Institute of Child Health and Human Development. Miller says for Briar it works. " He went from a nonverbal child, he's in the fifth grade getting straight A's although he brought home a B last week that's we're going to get up," says Miller.
The CDC estimates that 1 in 110 children are diagnosed with autism and that ABA treatment ranges anywhere from 30 to 60 thousand dollars a year.
Veronica Tess Myers says in 1996, when doctors diagnosed her son Alexander with severe to moderate autism.
You definitely feel alone, there's a lot of tears being cried there's a lot of frustration there's a lot of sitting alone trying to figure out what the next step is going to be to help you child to succeed," says Myers.
They told her told her it was either ABA or a group home for life. "And that's the part that breaks my heart that so many families want to help their child and couldn't get therapy," says Miller.
What should you do as a parent if you have an ill child and no health insurance?
Q: What should you do as a parent if you have an ill child and no health insurance?
A: In the case of a medical emergency, insured or not, take your child to the nearest emergency room. The majority of hospitals are required by law to treat a patient with a health emergency. The Emergency Medical Treatment and Active Labor Act, which was passed in 1986 as part of the Consolidated Omnibus Budget Reconciliation Act, or COBRA, includes that hospitals and ambulance services must provide necessary emergency health care regardless of citizenship, legal status or ability to pay. Though you may not be able to pay, you still will be legally responsible for the cost of your child’s care. However, you cannot be held criminally liable for not paying, unless you intentionally and knowingly provide false identifying information to avoid paying for care.
You should not rely on emergency room care for all of your child’s medical needs. Hospitals under the emergency medical act are not required to care for nonemergency medical conditions, and they may discharge a patient after the patient has been stabilized and can care for himself or be cared for by another. Because of these limitations, obtain insurance for your child as soon as possible.
Fortunately, under the Affordable Health Care Act signed in 2010, a child’s pre-existing condition must now be covered in a health insurance policy, and a child with chronic health conditions cannot be denied coverage. Adults are not scheduled to receive similar protections until 2014.
If you cannot afford private insurance, then apply for Medi-Cal coverage for your child. If your income or assets exceed the limits for Medi-Cal eligibility, your child may qualify for health care coverage under the Healthy Families Program. This government insurance program offers low-cost health, dental and vision coverage.
Additionally, California Children’s Services, or CCS, is a state program that provides assistance to children with certain diseases, physical limitations or chronic health problems. To obtain CCS assistance, a child must be under 21 years old, have or be suspected of having a medical problem that CCS covers, be a resident of California and be in a family with an income under $40,000 (adjusted gross income on state tax return). A few examples of the many health problems that CCS covers are cancers, diabetes, cerebral palsy and broken bones.
If your child is not experiencing an emergency health problem, there are clinics in San Diego that may treat your child at little or no cost.
For example, Family Health Centers of San Diego accept a broad range of payment and insurance plans. These clinics offer affordable services to all income levels, with a special commitment to low income and medically underserved individuals.
Another option is provided by Volunteers in Medicine San Diego, a nonprofit organization whose mission is to improve access to health care for the underserved and uninsured. This charitable organization is staffed by retired physicians, dentists and other medical professionals who provide care without compensation.
Further, some local hospitals provide medically necessary health care services to patients requiring admission to the hospital at low or no cost.
For example, Rady Children’s Hospital-San Diego is committed to providing care to patients regardless of their ability to pay. Consistent with this commitment, its financial counselors will first work with a child’s family to determine their eligibility for governmental program assistance. State and County eligibility workers knowledgeable in Medi-Cal, Healthy Families and California Children Services assist in determining eligibility and in completing the application process. If a patient does not qualify for a government program, an Rady Financial Assistance Program is in place to provide discounted care to eligible patients based upon their family income.
Another resource that a social worker may refer you to is the San Diego Ronald McDonald House. This charity provides a “home away from home” for children and their families while their child is admitted at any hospital in the San Diego area.
Its Family Care Center also is available during the day to anyone with a child in a hospital. This unique offering provides a place for a family to enjoy a hot meal, relax in a family play area, obtain medical information online, nap, or simply take a break from the often stressful hospital environment.
Additionally, if you are struggling with financial or legal issues while your child is ill, the Professional Alliance for Children may provide relief. The Alliance is a nonprofit organization that aligns professionals — attorneys, Certified Financial Planners, and CPAs — to provide free assistance with these issues. Along with the other charitable organizations described in this article, the Alliance’s mission is to better the lives of children by helping them and their families in their time of need.
All children should receive quality health care regardless of the current financial status of their family. You are not alone when there are resources available that will help you to care for your child.
A: In the case of a medical emergency, insured or not, take your child to the nearest emergency room. The majority of hospitals are required by law to treat a patient with a health emergency. The Emergency Medical Treatment and Active Labor Act, which was passed in 1986 as part of the Consolidated Omnibus Budget Reconciliation Act, or COBRA, includes that hospitals and ambulance services must provide necessary emergency health care regardless of citizenship, legal status or ability to pay. Though you may not be able to pay, you still will be legally responsible for the cost of your child’s care. However, you cannot be held criminally liable for not paying, unless you intentionally and knowingly provide false identifying information to avoid paying for care.
You should not rely on emergency room care for all of your child’s medical needs. Hospitals under the emergency medical act are not required to care for nonemergency medical conditions, and they may discharge a patient after the patient has been stabilized and can care for himself or be cared for by another. Because of these limitations, obtain insurance for your child as soon as possible.
Fortunately, under the Affordable Health Care Act signed in 2010, a child’s pre-existing condition must now be covered in a health insurance policy, and a child with chronic health conditions cannot be denied coverage. Adults are not scheduled to receive similar protections until 2014.
If you cannot afford private insurance, then apply for Medi-Cal coverage for your child. If your income or assets exceed the limits for Medi-Cal eligibility, your child may qualify for health care coverage under the Healthy Families Program. This government insurance program offers low-cost health, dental and vision coverage.
Additionally, California Children’s Services, or CCS, is a state program that provides assistance to children with certain diseases, physical limitations or chronic health problems. To obtain CCS assistance, a child must be under 21 years old, have or be suspected of having a medical problem that CCS covers, be a resident of California and be in a family with an income under $40,000 (adjusted gross income on state tax return). A few examples of the many health problems that CCS covers are cancers, diabetes, cerebral palsy and broken bones.
If your child is not experiencing an emergency health problem, there are clinics in San Diego that may treat your child at little or no cost.
For example, Family Health Centers of San Diego accept a broad range of payment and insurance plans. These clinics offer affordable services to all income levels, with a special commitment to low income and medically underserved individuals.
Another option is provided by Volunteers in Medicine San Diego, a nonprofit organization whose mission is to improve access to health care for the underserved and uninsured. This charitable organization is staffed by retired physicians, dentists and other medical professionals who provide care without compensation.
Further, some local hospitals provide medically necessary health care services to patients requiring admission to the hospital at low or no cost.
For example, Rady Children’s Hospital-San Diego is committed to providing care to patients regardless of their ability to pay. Consistent with this commitment, its financial counselors will first work with a child’s family to determine their eligibility for governmental program assistance. State and County eligibility workers knowledgeable in Medi-Cal, Healthy Families and California Children Services assist in determining eligibility and in completing the application process. If a patient does not qualify for a government program, an Rady Financial Assistance Program is in place to provide discounted care to eligible patients based upon their family income.
Another resource that a social worker may refer you to is the San Diego Ronald McDonald House. This charity provides a “home away from home” for children and their families while their child is admitted at any hospital in the San Diego area.
Its Family Care Center also is available during the day to anyone with a child in a hospital. This unique offering provides a place for a family to enjoy a hot meal, relax in a family play area, obtain medical information online, nap, or simply take a break from the often stressful hospital environment.
Additionally, if you are struggling with financial or legal issues while your child is ill, the Professional Alliance for Children may provide relief. The Alliance is a nonprofit organization that aligns professionals — attorneys, Certified Financial Planners, and CPAs — to provide free assistance with these issues. Along with the other charitable organizations described in this article, the Alliance’s mission is to better the lives of children by helping them and their families in their time of need.
All children should receive quality health care regardless of the current financial status of their family. You are not alone when there are resources available that will help you to care for your child.
Most families have no life insurance
A new study has found that most families in the UK currently have no financial protection such as life insurance . The research, carried out by insurance giant Aviva, showed that 61 per cent do not hold life insurance cover, while 93 per cent admit to not having sufficient financial protection.
It was also revealed that 87 per cent are without critical illness cover, and that 89 per cent did not have income protection, all of which means that millions of families face financial disaster if the main breadwinners were to lose their job, become ill or die.
The most concern is about single parent families, as the research found that 76 per cent of single parent families and 68 per cent of divorced parents with two or more children said they believed they were financially underprotected.
Even previous problems do not persuade people to sort out cover, as the research showed that four in ten families said they had been seriously affected by illness in the past, but still had not taken out a policy. A fifth of all respondents said they had not taken out life insurance because of its cost, and five per cent thought it never paid out anyway.
Louise Colley, head of protection marketing at Aviva, commented "Life insurance and income protection can provide families with financial peace of mind in the unfortunate event of a sudden loss of income, and critical illness insurance can provide a lump sum cash payment should the insured suffer serious illness or disease."
It was also revealed that 87 per cent are without critical illness cover, and that 89 per cent did not have income protection, all of which means that millions of families face financial disaster if the main breadwinners were to lose their job, become ill or die.
The most concern is about single parent families, as the research found that 76 per cent of single parent families and 68 per cent of divorced parents with two or more children said they believed they were financially underprotected.
Even previous problems do not persuade people to sort out cover, as the research showed that four in ten families said they had been seriously affected by illness in the past, but still had not taken out a policy. A fifth of all respondents said they had not taken out life insurance because of its cost, and five per cent thought it never paid out anyway.
Louise Colley, head of protection marketing at Aviva, commented "Life insurance and income protection can provide families with financial peace of mind in the unfortunate event of a sudden loss of income, and critical illness insurance can provide a lump sum cash payment should the insured suffer serious illness or disease."
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