Harper Review – implications for the private health insurance industry

Harper Review – implications for the private health insurance industry
If implemented, these recommendations could have significant ramifications for Australian businesses, including private health insurance companies. In this update, we provide an overview for private health insurers on some of the Harper Review's key …
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BCBS to launch retiree health insurance exchange
The Blues plans currently provide many employers with retiree health insurance. The emergence of private health insurance exchanges, including Towers Watson's OneExchange and Aon Retiree Health Exchange, coupled with a shift to defined contribution, …
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New Law Slams Shut Gap in Insurance Confidentiality: Patients May Now Request that Explanation of Benefits (EOB) Remain Private

Baltimore, Maryland (PRWEB) December 18, 2014

A form released today by the Maryland Insurance Administration will offer protections to survivors of domestic violence and substantially expand access to healthcare for women and families.

This is a victory for anyone in need of health care who genuinely fears for their safety, and worries what might happen if their personal health insurance information (Explanation of Benefits) is shared with the policyholder, said State Senator Delores Kelley (D-10), the legislations chief sponsor.

Maryland is one of the first in the nation to ensure privacy of confidential medical information in insurance communications for those seeking reproductive health care, mental health treatment, or medical treatment or counseling due to domestic violence.

We regularly see patients who are fearful, and delay or avoid treatment, or pay exorbitant out-of-pocket costs for care routinely covered by their insurance, rather than risk what might happen if the policyholder were to find out about their medical treatment, said Jenny Black, CEO of Planned Parenthood of Maryland.

I was personally involved in a case in which the husband beat his wife to death due to information he received in the Explanation of Benefits, said Lorraine Diana, a Maryland Nurse Practitioner when she testified in Annapolis in support of the legislation.

As staunch advocates of patient rights, Planned Parenthood of Maryland led the successful bipartisan campaign for passage of Senate Bill 790 Communications Between Carriers and Enrollees Conformity with the Health Insurance Portability and Accountability Act. The Maryland General Assembly unanimously passed SB 790, advancing the use of privacy protections already in place under HIPAA. The Governor signed the bill into law on April 8, 2014.

The form released today by the Maryland Insurance Administration provides individuals who feel endangered the means to protect their privacy. Once signed and submitted, the form instructs insurance companies to forward all insurance communications to an address provided by the patient as opposed to the address determined by the policyholder.

Our job now is to raise public awareness of these legal protections and encourage survivors of domestic violence and others to access any needed medical treatment, Black said.

We believe that this one page form will foster a sense of safety among those living in fear and ultimately save lives.

Download the new form at the Planned Parenthood of Maryland website.


The mission of Planned Parenthood of Maryland is to enable all Marylanders to have access to a wide range of high quality affordable reproductive health care services. By providing medical services, education, training and advocacy, PPM seeks to help individuals make informed decisions about their reproductive health, family planning options and sexuality.


Get a Medical Discount in the U.S. With One Private Health Care Exchange

Get a Medical Discount in the U.S. With One Private Health Care Exchange
Founded in 2010, MediBid is a Web-based “marketplace for medicine” platform that allows seekers of health care to meet up with providers of care in a private auction “exchange.” It works like this: If you find that your health insurance deductibles are …
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Private exchanges bring choice to insurance
The insurer offers the oldest and largest private health exchange in the state. So far, 65 businesses have signed onto the GlidePath exchange, representing 25,000 individuals who help choose their own insurance coverage. "We've increased almost five …
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HealthCare.com, Nation's Leading Private Health Insurance Comparison Engine
MIAMI, Nov. 11, 2014 /PRNewswire/ — HealthCare.com, the nation's leading privately-owned unbiased search and comparison engine for personal health insurance plans, announced today that it has secured $ 7.5 million in Series A funding. The financing …
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Analysis: Partisan and Labor Politics Drive Battle Over Health-Benefits Reform
As a result, the state's public employees are now paying more out-of-pocket for individual health insurance policies and the 10th-highest amount for family coverage in the nation, and a higher percentage than many private sector employees in New Jersey …
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Latest Private Health Insurance News

Health-Law Enrollment in 2015 Won't Meet Forecast
WASHINGTON—Millions fewer people will enroll in private health plans under the Affordable Care Act next year than the Congressional Budget Office had predicted, the Obama administration said Monday. The developments are the latest sign that the law, …
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Connecture's Christopher Neuharth To Participate In Panel On Private Health
BROOKFIELD, Wis., Nov. 5, 2014 /PRNewswire/ — Connecture, Inc., a leading provider of web-based information systems used to create health insurance marketplaces, today announced that Christopher Neuharth, the company's vice president of product …
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Blue Cross Blue Shield of Arizona Selects Array Spectrum Private Health Insurance Exchange Technology

Seattle (PRWEB) June 05, 2014

Array Health, a provider of private insurance exchange technology, today announced that Blue Cross Blue Shield of Arizona (BCBSAZ) has selected the Array Spectrum Private Exchange solution for managing employers enrollment and benefits plan choices. Multiple funding arrangements for groups will also be available.

The platform will be BCBSAZ branded and made availabile later this year for plans effective after March 1, 2015. The exchange will launch with core medical, dental and vision plans with additional ancillary products to be included in the future. BCBSAZ will offer the new exchange to groups of all sizes (large, medium and small) as well as brokers that work closely with Arizona employers. The exchange will support multiple funding models including defined benefit and defined contribution approaches, which many employers are requesting.

Our goal is to meet the changing demands of a new consumer-driven marketplace by offering an approach to buying healthcare benefits similar to how consumers shop for other goods online, said Mike Tilton, vice president of sales at Blue Cross Blue Shield of Arizona. Array Healths expertise in a seamless member experience through private exchanges helps us give consumers the flexibility to select plans most suitable for them.

BCBSAZ will use Array Spectrum to support end-to-end consumer engagement for the marketing, selling, enrollment, management, renewal and administration of health benefits. The insurer will also feature the Array Spectrum Member Marketplace which uses the patent-pending SmartFit decision support technology, helping consumers select the right plan.

In addition to giving Arizona-based brokers a channel for offering employer groups a defined contribution model, BCBSAZs private exchange will also leverage Array Healths Broker Administration Center software module, where brokers can easily manage their accounts and enrollment data and significantly reduce the administrative burden associated with open enrollment, whether that is for group or Medicare products.

Blue Cross Blue Shield of Arizona is a prime example of the wave of innovation occurring in the private exchange market. A branded online exchange gives insurers a new strategic channel to differentiate their offerings and gain greater control over the sales process. When done right, these platforms will leverage data and analytics from across the health plan enterprise and partner ecosystem to create a richer experience for the member year after year, said Jonathan Rickert, CEO of Array Health.

We are thrilled to partner with Blue Cross Blue Shield of Arizona and support its efforts to create one of the most comprehensive private exchange solutions in the nation, said Piyush Pushkar, senior vice president of sales and marketing at Array Health. The next phase of the strategic multi-year partnership between BCBSAZ and Array Health will include product expansion for offering ancillary benefits including critical illness, disability, term life and others.

About Array Health

Array Health is a leading provider of private insurance exchange technology. Its cloud-based software platform enables health plans of any size to deliver their own branded online exchangea strategic channel that helps them compete and thrive. It also provides employers a new way to control costs and gives members a better way to buy benefits. Array Health is a privately held company based in Seattle. To learn more, visit arrayhealth.com.

About Blue Cross Blue Shield of Arizona

Blue Cross Blue Shield of Arizona (BCBSAZ), an independent licensee of the Blue Cross and Blue Shield Association, is the largest Arizona-based health insurance company. Celebrating its 75th anniversary, BCBSAZ provides health insurance products and services to Arizonans across the state. With offices in Phoenix, Flagstaff, Tucson and Chandler, the company employs more than 1,300 Arizonans. Follow BCBSAZ at http://www.facebook.com/bcbsaz or on Twitter at @bcbsaz to get information on health and wellness, health care reform, and community events.

NIB expects further private health growth

NIB expects further private health growth
Health insurer NIB expects government efforts to boost private cover, plus solid economic conditions, to fuel continued growth in the sector. Chief executive Mark Fitzgibbon told a business conference he expects the private health insurance sector to …
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NFIB Research Foundation: Health Insurance Tax to Cost 152000 to 286000
Using independent cost estimates, the Research Foundation's BSIM (Business Size Impact Module) predicts the rise in cost of employer-sponsored insurance stemming from the HIT will result in a reduction in private sector employment of 152,000 to 286,000 …
Read more on Insurance News Net (press release)

New Koch ad uses Louisiana veteran's health care experience against Mary
When they are demobilized, they can purchase coverage through Tricare Reserve Select, which more closely resembles private health insurance. Reservists can qualify for Tricare as retirees if they have especially long, active careers, but it does not …
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