Archive for the ‘Skinny Plans’ Category

We didn’t have to stress about saying Merry Christmas, this year. Thank you Mr. President!

December 21, 2017

It’s four days before Christmas and while the Stockings are not yet hung, I bet most of us are thankful that the “war on Christmas” has been placed on-hold, at least for this year.

So this week instead of promoting or dissecting some aspect of healthcare reform let’s look for aspects of 2017 and our own lives in America that bring peace and good will to man.

So, thank you to:

  • First Responders who run toward the crisis or danger while we run away. These brave men and women are better civil servants to our Nation than anyone else, especially politicians, can ever brag to be.
  • Military that in spite of a decline in funding and respect over the past 10 years continue to keep us save by stopping the dangers over there from reaching over here. I did not join the military when I was of age, a decision I regret to this day.
  • Law Enforcement officers on a daily bases as they walk or drive into unknown danger without hesitation and without the support of too many in our nation.
    We should all stand each time the National Anthem plays!
  • Teachers who signed up to help educate our future generations and continue do so even when facing the toughest environments. Wouldn’t it be easier to teach if English was the required language, parents would help from home, and Unions cared about kids more than self-preservation?
  • Moms for doing what they do to love their children even when we are unlovable. Giving birth might be the easy part for Moms these days as they too often take on the role of both parents and both bread winners in American homes. Moms are the first responders for our families and they need our help and thanks.
  • Churches that stand for the true Word of God and don’t give in to the secular-worldly efforts by too many to cast shadows upon what we all know is right.
  • Co-workers that come to work each day to work as a team toward similar goals of creating good products, good service, and respect for team.

Thank God, above all else, for His gift of the Lord Jesus Christ, for us all. God so love the world that He gave His only Son for us that we might have eternal life. To those of you who are believers you know that a relationship with Jesus Christ does give us an eternal home but also gives us a relationship throughout the year like none other possibly could.

That’s just a few. To whom or what are you thankful that makes your life safer and better?

Love to hear from you and especially at Christmas we should know that we’re all in this together. 

Merry Christmas to all!! And to all, until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf

 

Skinny Plans, what are they and why do they draw so much criticism? Let’s look at the truth.

December 14, 2017

We have all witnessed this term “skinny” become common for promotion of many facets of our everyday life. Skinny margaritas(I’ve heard of these but never ordered), skinny chicken, skinny shrimp or other skinny menu items, and skinny jeans (which I totally don’t understand), and many-many more common everyday items turned skinny in our everyday life. I apologize, in advance, for discussing anything “skinny” midway between Thanksgiving and Christmas but it is important to address the term as it is being used in the effort to obstruct the needed overhaul of healthcare in America.

But, calling a health plan “skinny” , while descriptive, may be misunderstood my most which opens up the opportunity for opponents to mislead the public about the potential positive impact of these plans. So, let’s look a little deeper.

As we’ve stated many times before, clever names or phrases are often used to criticize an idea then the name quickly becomes the label that misleads the public from the truth. Such is the case with the rhetoric we’re hearing and reading concerning medical plans that are not compliant with the mandated benefits of the ACA.

People started calling these “not 100% compliant” medical plans “skinny” in an effort, I believe, to mislead the public. At the very least the term is being used to draw attention or improve the critic’s own ratings.

Why do critics think that we Americans should not have more plans from which to choose for employer’s or our family’s health plan. Sure, many Americans are uninformed about quality maybe reality, as is evident by the popularity of such shows as the Bachelor or sports like soccer(too much trotting around). But when it comes to healthcare I think people know what they can or can’t afford and what they need or don’t need.

Plus, our citizens can always turn to the thousands of qualified insurance professionals available in every state in America. Insurance agents are well trained and can easily assist Americans in making the best choice for their needs and budget. But, agents need, just like the public needs, these alternatives so that the citizen can make the choice that best fits their own personal need.

So, what are these plans that so many fear will undermine the integrity and financial stability of our nation?
What will a Skinny plan likely not include? They may not include:

  • Pediatric dental and vision for adults.
  • Unlimited brand name Rx.
  • Maternity
  • Pregnancy termination (abortion)
  • Unlimited Office visits
  • Unlimited lifetime benefits
  • GI without reasonable pre-ex policies.
  • All of the 63 MEC benefits
  • Other benefits that increase premium but nobody uses.

What will skinny plans likely offer:

  • Choice of Copays.
  • Telemedicine.
  • Maternity if desired.
  • Wellness (true wellness with incentives).
  • Choice of PPO networks.
  • Higher OOP to lower premium
  • Lower OOP plans for more choice.
  • Alternative Rx plans
  • HSA option with higher HSA allowance.
  • Higher OOP for wasteful healthcare decisions.
  • Lower OOP with incentives for smart healthcare decisions.

There will be dozens, possible hundreds, of plan choices instead of the current 4 choices available! Health plans will be developed ranging from Minimum Essential Coverage to Cadillac rich plans. Employers will be allowed and encouraged to buy minimal plans that can be enriched with HRAs.

The bottom line – at the end of the day – when all’s said-n-done, the objective is that the insurance industry, led by local TPAs, will provide America more choice with better benefits at lower costs. Now what’s wrong with that?

I’m serious, what’s is possibly wrong with that? If you have objective arguments against these options please let us know. And, please don’t argue that these plans will hurt insurers by taking all of the good risks and leaving the bad risks to the insurers. It’s all GI so the risks can go where they think their needs are best served.

But, let me know your thoughts because we’re all in this together.

Until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf