California
Related: About this forumHow You'll Pick Your New California Exchange Plan
http://www.calhealth.net/Pick_California_Health_Plan_by_Provider_Network.htm-- snip
The commoditization of health plans and specialization of networks
That's a mouthful but it fits. The new Exchange plan benefits are mandated at certain levels (Platinum, Gold, Silver, Bronze, and Catastrophic) which we've discussed in detail across calhealth.net The rates are somewhat constricted by MLR requirements and in indeed, the preliminary rates are all pretty range bound as expected. As we discussed over a year ago, if the benefits are mandated and the rates are constrained by MLR and political pressure, where's the give? The doctors and hospitals. It's akin to squeezing a baloon and the only way it can go it towards reimbursement to providers.
Early volleys at provider reimbursement
We heard rumors during the summer of 2013 that letters were going out to doctors and hospitals from carriers with intent to reduce reimbursement sizably for the new Exchange plans. Essentially, the providers were going to take the hit for guaranteed issue and increased health risk. The doctors had two options...accept a much lower reimbursement for care or choose not to participate in the networks. Either way, there was going to be big changes in the California health insurance networks. So what did we find out yesterday?
Exclusive contracts and shrinking networks
On the Individual and Family market, the carriers are signing exclusive contracts with hospitals and hospital groups. For example, the UC's signed a contract with Anthem. Blue Shield signed with Sutter. Scripps...Shield. Sharp...Anthem. We don't have information yet on Health Net's approach. The new PPO and EPO networks will probably have 50% of the current PPO doctor networks and 75% of the current PPO hospitals. Different areas will have PPO while others will have EPO within a given carrier.
So what does this mean to California health insurance shoppers and members
Unless the choice of doctor and more importantly hospital doesn't matter to you (assuming there's an alternative in your area), come Jan 1st, 2014, you will likely choose a plan which contracts with your chosen hospital and doctor. The real question is how people without a subsidy will react to paying much more for health insurance and getting about 1/2 of the prior network to access. We're not looking forward to those calls.
NYC_SKP
(68,644 posts)California, same doctor and hospital.
Color me delighted.
flamingdem
(39,313 posts)It's going to upset people as the article indicates when they realize that Doctors at UCLA are rejecting the EPO in many cases. I've been calling to find out.
Those who make I think 45,000 will have to pay those hefty rates for crappy insurance. Something had to give and it's at the point of the doctor who can decide if they will bother with you or not.
They don't want to be flooded with new patients or get 30% less.
Also, the Anthem EPO, only one worth it in my area, means that if I have to access a specialist outside of their network I'm S.O.L.
That bugs me massively having seen the difference it makes to have the specialist that one needs. Now that even the UCLA specialists that are the top doctors are bowing out we can see the problem.
We can't go back, it was utterly unaffordable and insane, but I was hoping for more and would be ultra pissed off if I didn't get any subsidy and had to pay so much for narrow networks.
This is how they implemented in LA -- maybe elsewhere it is a truly good deal.
BlueCaliDem
(15,438 posts)from the DHHS so we can put California OneCare in to replace the PPACA in our State.
flamingdem
(39,313 posts)Sounds Single Payer ish.
I wonder how they would tackle having a million new Medicaid patients in Socal
and all the other new insurance members.
I bet if the doctors received the same rates as Medicare they'd go for it.
BlueCaliDem
(15,438 posts)in their network. And we're in the San Bernardino County where doctors and hospitals accepting ACA policies are supposedly supposed to be scarce. I didn't have a problem.
flamingdem
(39,313 posts)I think it has to be easier in smaller cities. There are less services so they can't be so narrow.
BlueCaliDem
(15,438 posts)The premium was $485, but with the subsidy it will only cost him $213.12 per month and covers almost everything.