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Showing posts from November 4, 2018

Why Do Short-Term Health Insurance Plans Have Lower Premiums Than Plans That Comply with the ACA?

From Kaiser Family Foundation: Larry LevittRachel FehrGary ClaxtonCynthia Cox, and Karen Pollitz
Published: Oct 31, 2018 The Trump administration earlier this year issued a regulation that expands the availability of “short-term” health insurance plans that do not have to comply with any of the rules in the Affordable Care Act (ACA) for plans sold in the individual market. Specifically, the regulation allows short-term plans to be offered for up to 364 days and renewed at the discretion of the insurer for up to three years. Short-term plans are also expected to be more attractive now that ACA’s individual mandate penalty has been repealed, since people previously enrolling in these plans were liable for the penalty. Short-term plans pose tradeoffs for consumers. On the one hand, they typically have substantially lower premiums than ACA plans. On the other hand, they exclude people with pre-existing conditions — an estim…

Help for Mental Illnesses

If you or someone you know has a mental illness, there are ways to get help. Use these resources to find help for you, a friend, or a family member. Please note that NIMH is a research funding agency. Resources on this page are provided for informational purposes only. The list is not comprehensive and does not constitute an endorsement by NIMH. Get Immediate Help If you are in crisis, and need immediate support or intervention, call, or go the website of the National Suicide Prevention Lifeline (1-800-273-8255). Trained crisis workers are available to talk 24 hours a day, 7 days a week. Your confidential and toll-free call goes to the nearest crisis center in the Lifeline national network. These centers provide crisis counseling and mental health referrals. If the situation is potentially life-threatening, call 911 or go to a hospital emergency room. Find a Health Care Provider or Treatment For general information on mental health and to locate treatment services in your area, call th…

How Anxiety Leads to Disruptive Behavior

by Caroline Miller A 10-year-old boy named James has an outburst in school. Upset by something a classmate says to him, he pushes the other boy, and a shoving-match ensues. When the teacher steps in to break it up, James goes ballistic, throwing papers and books around the classroom and bolting out of the room and down the hall. He is finally contained in the vice principal’s office, where staff members try to calm him down. Instead, he kicks the vice principal in a frenzied effort to escape. The staff calls 911, and James ends up in the Emergency Room. To the uninitiated, James looks like a boy with serious anger issues. It’s not the first time he’s flown out of control. The school insists that his parents pick him up and take him home for lunch every day because he’s been banned from the cafeteria. Unrecognized anxiety But what’s really going on? “It turns out, after an evaluation, that he is off the charts for social anxiety,” reports Dr. Jerry Bubrick, a child psychologist at the…

NORD Issues Statement on Increasing Use of CoPay Accumulator Programs in Health Plans

June 4, 2018 By Christi Jensen Categories: NORD NewsPress Releases Washington, D.C., June 4, 2018 — The National Organization for Rare Disorders (NORD), the leading independent nonprofit organization representing the 30 million Americans with rare diseases, issued the following statement on the increasing use of copay accumulator programs in health plans: “Recently, a number of health plans have started implementing, what are broadly known as, ‘copay accumulator programs.’ These programs prevent manufacturer-provided copay assistance from applying to patients’ out-of-pocket costs, including their insurance deductible. As a result, copay accumulator programs drastically increase the amount of money patients pay over the course of a year to acquire their prescribed medications. The National Organization for Rare Disorders (NORD) strongly opposes the implementation of copay accumulator programs in order to protect rare disease patients from untenable increases in their health care costs.…