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What health reform means for the people of Illinois

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Thursday, July 14, 2016

Illinois Needs to Protect Consumers in Wake of Land of Lincoln Debacle

The liquidation of Land of Lincoln Health is just the first of mounting hurdles for Illinois consumers and small-business owners shopping for health insurance coverage in the Affordable Care Act marketplace.

Not only do Illinois consumers wait longer than others across the country to see annual rate increases, but they also have fewer resources to help navigate the marketplace. The state's budget morass means the two state agencies charged with protecting consumer interests and helping consumers connect with coverage options—the Department of Insurance and Get Covered Illinois—are underfunded and ill-prepared to serve the public.

Who will protect consumers' interests in the demise of Land of Lincoln? We keep hearing that the state's insurance department doesn't have the staff to provide information on rate increases to the public until Aug. 1 (even though the department received them from insurers in April). If regulators can't meet the requirements of the ACA in a timely manner, how will they manage the liquidation details for Land of Lincoln? Can consumers count on them to answer critical questions about their now-defunct Land of Lincoln plans?

Questions like: Should I keep paying my premiums to Land of Lincoln? (Yes, you should if you want to be eligible for the special enrollment period plan holders will be offered.) Will I be able to find another plan with my providers in the network at the same price point? What happens if I already met my deductible with Land of Lincoln? Will that carry over to the new plan? And, who will help me find a new plan? Because Get Covered grant funding to help consumers is gone, and insurance carriers reduced or eliminated broker commission for working with clients, Illinois consumers are left with fewer resources when faced with complex health insurance decisions.

We should all be watching how the Department of Insurance addresses the needs of Land of Lincoln policyholders. When Blue Cross & Blue Shield narrowed its networks offered in the marketplace, thousands migrated to Land of Lincoln because of its broader networks with academic medical centers like the University of Chicago. The loss of Land of Lincoln leaves consumers and small-business owners worrying about continuity of care—for themselves and their employees.

This development ensures one thing for the upcoming open enrollment season: Illinois consumers and small businesses will have even less choice, and fewer affordable options that cover a broader network of health care providers.

How the Department of Insurance responds to this crisis is important for all Illinois consumers. We only hope the Rauner administration redirects resources to make sure the Department of Insurance can do its job and do it well.


Barbara Otto and Michelle Thornton Health & Disability Advocates
Reprinted with permission from Crain's Chicago Business

24 comments:

  1. Read your post its really informative keep updating with newer post on medical insurance plans

    ReplyDelete
    Replies
    1. HOW I GOT CURE TO MY HERPES WITH THE HELP OF DR EBAKO NATURAL HERBS CURE WHATSAPP HIM ON +1 (213) 861-9461


      I can’t believe this. A great testimony that i must share to all HERPES patient in the world i never believed that their could be any complete cure for HERPES or any cure for HERPES,i saw people’s testimony on sites of how DR EBAKO prepare herbal cure and brought them back to life again. i had to try it too and you can,t believe that in just few weeks i started using it all my pains stop gradually and i had to leave without the HERPES DRUGS the doctor gave to me. Right now i can tell you that few months now i have not had any pain,delay in treatment leads to death. Here is his email: doctorebakospellhome@gmail.com his WHATSAPP number is +1 (213) 861-9461
      https://drebakocurehome.blogspot.com/
      http://drebakocurehome.over-blog.com
      he can also cure you from
      HPV
      HIV
      HIV2
      Hepatitis B
      Diabetes
      etc










































      HOW I GOT CURE TO MY HERPES WITH THE HELP OF DR EBAKO NATURAL HERBS CURE WHATSAPP HIM ON +1 (213) 861-9461


      I can’t believe this. A great testimony that i must share to all HERPES patient in the world i never believed that their could be any complete cure for HERPES or any cure for HERPES,i saw people’s testimony on sites of how DR EBAKO prepare herbal cure and brought them back to life again. i had to try it too and you can,t believe that in just few weeks i started using it all my pains stop gradually and i had to leave without the HERPES DRUGS the doctor gave to me. Right now i can tell you that few months now i have not had any pain,delay in treatment leads to death. Here is his email: doctorebakospellhome@gmail.com his WHATSAPP number is +1 (213) 861-9461
      https://drebakocurehome.blogspot.com/
      http://drebakocurehome.over-blog.com
      he can also cure you from
      HPV
      HIV
      HIV2
      Hepatitis B
      Diabetes
      etc

      Delete
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  3. Replies
    1. my name is Mark Godwin am here to share testimony of how i got back my relationship that was scattered for months. we got married for more than 7 years and have gotten three kids. things were going well with us and we are always happy. until one day my wife started behaving in a way i could not understand, i was very confused by the way she treat me and the kids. for months she did not come home again and she called me for a divorce, i asked her what have i done wrong to deserve this from her, all she was saying is that she want a divorce that she hate me and do not want to see me again in her life, i was mad and also frustrated and do not know what to do,i was sick for more than 3 weeks i want to be reunited back with my husband in 2016 blog of her intention towards me. i love my wife so much and can do anything for her. i told my brother and he told me to contact a spell caster, i never ain all this spell casting of a thing. i just want to try if something will come out of it. i contacted DR Alexzander through his website, for the return of my wife to me, he told me that my wife have been taken by another man, that he cast a spell on her that was why she hate me and also want us to divorce. then they told me that they have to cast a spell on her that will make her return to me and the kids, Dr alexzander cast the spell and after 1 week my wife called me and she told me that i should forgive her, she apologizes on phone and said that she did not know what happened to her. it was the spell that DR Alexzander cast on her that made her return back to me today,me and my family are now happy again. thank you Dr Alexzander for what you have done for me i would have been nothing today if not for HIS great spell. i want all my friends who are passing through all this kind of love problem of getting back their husband, wife , or ex boyfriend and girlfriend to contact {alexzanderhightemple@gmail.com or through his whatsapp number +2348075823891 Or call him with this phone number +2347068836760 if you need a supernatural great wizard to cast a spell for you. email Dr alexzander and you will see that your problem will be solved without any delay.These are the few things he also do for people. *do you need rapid and undeserved promotions in your offices or work? Dr alexzander can bring back lost lovers on 96hrs and can cast all kind of spell. Dr alexzander is a healer that is here on earth to solve your problems just as he did to mine.this is your chance to be helped quickly by Dr alexzander.his an expert in distance healing, court cases even if one is convicted. he can do all manner of spell that you may need in life.he can also make you conceive a child and win money through gambling and other things you may desire to have in life. contact him and be the next to share his good work to the world. alexzanderhightemple@gmail.com.

      Delete
  4. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
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    ReplyDelete
  5. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  6. Hey,
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    Apu

    Medical Cost Containment Companies

    ReplyDelete
  7. How I Got My Ex Husband Back...........

    I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874.

    ReplyDelete
  8. I'm Nora Vargas. I feel so joyful today because of the help Doctor Zakuza has rendered to me for getting my Husband back. I've been married for 6 years and it has been so terrible because my husband was cheating on me and was seeking for a divorce. But when i came across Doctor Zakuza website on the internet posted by a lady, i decided to get in touch with him and i explained my situation to him and then seek his help but to my greatest surprise he told me that he will help me with my case for there is no problem without a solution. Here i am celebrating because my Husband is back home and am really enjoying my marriage and what a great celebration. I will keep on testifying on the internet because Doctor Zakuza is truly a helper who God has sent to help us all. Why not contact Doctor Zakuza now if you are facing any challenges in your relationship life. Website: http://doctorzakuzaspelltemple.myfreesites.net OR by Email: ( Doctorzakuzaspelltemple@yahoo.com ). Call me for more info +1 (516) 277-6702 USA.

    ReplyDelete
  9. I want to use this opportunity I have to say a big thanks to Dr Great for getting back my ex husband. I'm Linda Gibson from USA, after 7 years of marriage my husband left me for another woman I did whatever I could to get him back but all I did was in vain I was sad, but I didn't lose hope of getting him back because I had faith in God. So I search online on how to get my husband back, and I came across a post of Dr Great of how he helped a lady to get back her ex I felt I should give him a try, I contacted him and told him the pain I was going through, he told me what to do and I did it then he casted a love spell for me 48 hours later my husband called me and told me he is sorry for what he did and that he misses me very much later that day he came back home and he hugged me and that how our relationship became stronger. For the marvelous things Dr Great has done for me it will be unfair for me no to let the whole world know that such a powerful spell caster do live. If you want to get back your ex fast email Dr Great at infinitylovespell@gmail.com

    ReplyDelete
  10. Hello everyone, I was infected with the herpes virus and I got cured from the herpes virus few months ago after i contacted Dr covenant . I saw a post on the internet after i have seek healing for several years from different doctors in ukraine. I sent the Doctor a request for help, just a few email i followed his instruction and he sent me the medication. Now i am negative and i referred him to all my friend who had this same sickness and they have gotten their cure too. You can contact him via his email: covenantsolutiontemple@gmail.com or whatsAPP:+2349057353987. While i was on his medication i understood that he can also cure HERPES, HIV/AIDS, CANCER, Male/female menopause, Miscarriage, Menstruation problems, PREGNANCY PROBLEM, EPILEPSY, GONORRHEA, LASSA FEVER, OBESITY, KIDNEY FAILURE, HYPERTENSION, FIBROID TUMOR, BRAIN FOG, EPSTEIN-BARR VIRUS and many more.

    Contact him today and get your problem solved.

    ReplyDelete
  11. Thanks for discussing about such important topic. I really like this post very much. For affordable dental care service, anyone can try dental discount plans . These discount plans are very helpful in every aspect of dental treatment.

    ReplyDelete
  12. HOW I GOT CURE TO MY HERPES WITH THE HELP OF DR EBAKO NATURAL HERBS CURE WHATSAPP HIM ON +1 (213) 861-9461


    I can’t believe this. A great testimony that i must share to all HERPES patient in the world i never believed that their could be any complete cure for HERPES or any cure for HERPES,i saw people’s testimony on sites of how DR EBAKO prepare herbal cure and brought them back to life again. i had to try it too and you can,t believe that in just few weeks i started using it all my pains stop gradually and i had to leave without the HERPES DRUGS the doctor gave to me. Right now i can tell you that few months now i have not had any pain,delay in treatment leads to death. Here is his email: doctorebakospellhome@gmail.com his WHATSAPP number is +1 (213) 861-9461
    https://drebakocurehome.blogspot.com/
    http://drebakocurehome.over-blog.com
    he can also cure you from
    HPV
    HIV
    HIV2
    Hepatitis B
    Diabetes
    etc

    ReplyDelete
  13. infertility for easy Conception. (No more adoption, with Dr Itua your problem will solve and you will have your child with ease.I have been blog Sites for a while now and today i felt like i should share my story because i was a victim too. I had endometriosis for 18 years and i never thought i would ever get a cure due to the terrible symptoms i had and this made it impossible for me to get pregnant even after 12 years of marriage and it was a serious issue. I got to know about Dr. Itua on Blog Site who treated someone and the person shared a story of how she got a cure and let her contact details, i contacted Dr. Itua and he actually confirmed it and i decided to give a try too and use his herbal medicine that was how my burden ended completely. My son will be 2 this december and i am gratetful to God and thankful to his medicine too.Dr Itua Can As Well Cure The Following Desease…Cancer,Hiv,Herpes,Epilepsy, Hepatitis B,Liver Inflammatory,Diabetis,Fribroid,Get Your Ex Back, If you have (A just reach his on (drituaherbalcenter@gmail. com Or Whatsapp Number..+2348149277967)He can also advise you on how to handle some marital's issues.He's a good man.

    ReplyDelete
  14. Irrespective of receiving daily oral or future injectable depot therapies, these require health care visits for medication and monitoring of safety and response. If patients are treated early enough, before a lot of immune system damage has occurred, life expectancy is close to normal, as long as they remain on successful treatment. However, when patients stop therapy, virus rebounds to high levels in most patients, sometimes associated with severe illness because i have gone through this and even an increased risk of death. The aim of “cure”is ongoing but i still do believe my government made millions of ARV drugs instead of finding a cure. for ongoing therapy and monitoring. ARV alone cannot cure HIV as among the cells that are infected are very long-living CD4 memory cells and possibly other cells that act as long-term reservoirs. HIV can hide in these cells without being detected by the body’s immune system. Therefore even when ART completely blocks subsequent rounds of infection of cells, reservoirs that have been infected before therapy initiation persist and from these reservoirs HIV rebounds if therapy is stopped. “Cure” could either mean an eradication cure, which means to completely rid the body of reservoir virus or a functional HIV cure, where HIV may remain in reservoir cells but rebound to high levels is prevented after therapy interruption.Dr Itua Herbal Medicine makes me believes there is a hope for people suffering from,Parkinson's disease,Schizophrenia,Cancer,Scoliosis,Fibromyalgia,Fluoroquinolone Toxicity
    Syndrome Fibrodysplasia Ossificans Progressiva.Fatal Familial Insomnia Factor V Leiden Mutation ,Epilepsy Dupuytren's disease,Desmoplastic small-round-cell tumor Diabetes ,Coeliac disease,Creutzfeldt–Jakob disease,Chronic Fatigues Syndrome,Cerebral Amyloid Angiopathy, Ataxia,Arthritis,Amyotrophic Lateral Sclerosis,Alzheimer's disease,Adrenocortical carcinoma.Asthma,Allergic diseases.Hiv_ Aids,Herpes,Inflammatory bowel disease ,Copd,Diabetes,Hepatitis,I read about him online how he cure Tasha and Tara so i contacted him on drituaherbalcenter@gmail.com even talked on whatsapps +2348149277967 believe me it was easy i drank his herbal medicine for two weeks and i was cured just like that isn't Dr Itua a wonder man? Yes he is! I thank him so much so i will advise if you are suffering from one of those diseases Pls do contact him he's a nice man.

    ReplyDelete
  15. For the past 2 years now I have been looking for good and genuine spell caster to bring back my ex lover back and also help me to win lottery,and it has been a hard time for me finding the right place until I get in contact with Dr Oseiboh who gave me powerful prayer and assured me that it will take two days before the spell will be effective,unbelievable the next two days i got a call from unknown number so i decided to pick the call the next thing i could hear was my love voice she was pleading and begging me on the phone that i should forgive her that i should forget all that have happened that she did not know what came over her,she promised not to leave for any reason, that she was really sorry for what she did,i was so surprised because i never believed that this could happen,so that was how i accepted her apology the next morning she came to my house and still pleading for me to forgive her i told her that everything is okay that i have forgiven her from my heart, that was how we started again, we are together now. thank you Dr Oseiboh for making her to know that we are meet to be together and also making my dreams to come true. And he did a spell that make me to win the lottery, Please if any body needs. LOVE SPELL,LOTTERY,PREGNANCY SPELL, DIVORCE SPELL,ANY FOUNDATION COURSES,REVENGE SPELL,STOP COURT CASE AND WIN ANY COURT PROBLEM,DEATH SPELL,BUSINESS SPELL AND MANY MORE YOU MAY NEED. Email him now for your own help. via email droseiboh12@gmail.com https://droseiboh12.wixsite.com/spell add him on whatsapp line or call +2347017565415.All thanks goes to Dr oseiboh for the excessive work that he has done for me.

    ReplyDelete
  16. Hello everyone I want to appreciate the great work of Dr. Ehoh , I have been diagnose of herpes simplex virus for years,I’ve lost all hop and that there is no cure and I have been taken medicine to sustain myself till I got to know about Dr. Eboh through a friend who he cured of Hiv. I contacted him and he sent me his herbal remedy which I took as he directed me to do for some days and I went to the hospital after consuming his Herbal medicine and I was confirmed Herpes Negative after years of pains and suffering , it is indeed a miracle, his web site https://holycurecenter.wordpress.com is a great man, I have heard so much about how he hashelp lot of people, if you have any issue you can contact him for help.via: holycurecenter@gmail.com or add him on whatsapp +2348053823815.you can contact me for more information via: holycurecenter@gmail.com

    ReplyDelete
  17. I'm 15 years old. I was born with HIV my mother passed away because of the HIV infection And I regret why i never met Dr Itua he could have cured my mum for me because as a single mother it was very hard for my mother I came across Dr itua healing words online about how he cure different disease in different races diseases like HIV/Aids Herpes,Parkison,Copd,Epilepsy,Shingles,Cold Sore,Infertility, Chronic Fatigues Syndrome,Fibromyalgia, Diabetes Hepatitis even Cancer I was so excited but frighten at same time because I haven't come across such thing article online then I contacted Dr Itua on Mail drituaherbalcenter@gmail.com I also chat with him on what's app +2348149277967 he tells me how it works then I tell him I want to proceed I paid him so swiftly Colorado post office I receive my herbal medicine within 4/5 working days he gave me guild lines to follow and here am I living healthy again can imagine how god use men to manifest his works am I writing in all articles online to spread the god work of Dr Itua Herbal Medicine,He's a Great Man.

    ReplyDelete
  18. I want to share a testimony of how Dr.Omohan herbal mixture cream saves me from shame and disgrace, my penis was a big problem to me as the size was really so embarrassing,and i was also having weak erection problem. I can't make love to my wife and my penis was just too small a full grown man like me having 4 inches penis and to worsen it i don't last in sex i cant even last two minutes it was really a thing of shame to me. My wife was really tired of me because my sex life was very poor,she never enjoyed sex,i was always thinking and searching for solutions everywhere until when i saw a testimony of how Dr.omohan herbal mixture cream have been helping people regarding their sex life, so i decided to give him a try and to my greatest surprise in less than one week of taking the herbs my penis grow to 8 inches i couldn't believe my eyes and as i speak now my penis is now 8 inches and i do not have week erection again. I can make love to my wife longer in bed. And my marriage is now stable,my wife now enjoy me very well in bed. can contact him dromohanherbalmedicine@gmail.com or call or what-apps him through +2348164816038. . .he also specialize on the following things

    BREAST ENLARGEMENT
    BREAST LIFT & REDUCTION
    PENILE/PENIS ENLARGEMENT
    GENERAL BODY SLIMMING
    HIPS & THIGH REDUCTION
    REGAIN VIRGINITY BACK
    Thanks for the Enlarging my penis sir, you indeed save my marriage...I am really grateful sir,

    ReplyDelete
  19. I'm 15 years old. I was born with HIV my mother passed away because of the HIV infection And I regret why i never met Dr Itua he could have cured my mum for me because as a single mother it was very hard for my mother I came across Dr itua healing words online about how he cure different disease in different races diseases like HIV/Aids Herpes,Parkison,Asthma,Copd,Epilepsy,Shingles,Cold Sore,Infertility, Chronic Fatigues Syndrome,Fibromyalgia, Diabetes Hepatitis even Cancer I was so excited but frighten at same time because I haven't come across such thing article online then I contacted Dr Itua on Mail drituaherbalcenter@gmail.com I also chat with him on what's app +2348149277967 he tells me how it works then I tell him I want to proceed I paid him so swiftly Colorado post office I receive my herbal medicine within 4/5 working days he gave me guild lines to follow and here am I living healthy again can imagine how god use men to manifest his works am I writing in all articles online to spread the god work of Dr Itua Herbal Medicine,He's a Great Man.

    ReplyDelete

  20. I was born epileptic, but I am now free and cured with Dr Itua Herbal Made Medicine. I was seventeen and sitting at my computer when I fell out of my chair. Only thing I remember is waking up with the worse headache I had ever had in my life. I had never taken medication and I hated swallowing pills but I had to start. I switched between all kinds of medication because I didn't take them like I was supposed to. One day I had just finished running errands and was at my sisters house when I fell to the floor again. I woke up with a bad headache and my 2 year old Niece leaning over my leg asking me if I was OK. By then I had just started college and was one the verge of losing my license. My school is an hour away from where I live so I really got set back because I wasn't allowed to drive until I got my seizures under control. I would love to know how others have handles their epilepsy! So My sister friends Emma Told my sister about a herbal Doctor who reside in west Africa(Nigeria) Because Emma is from Africa as well, My sister told me about it then we decided to give a try. My sister contacted him also tell him about my autism too.he assures my sister that his herbal medicine will cure my epilepsy and my autism, I paid for the herbal medicine then he delivered to Charleston Post office I was called to pick it up which i quickly did, I drank it for two weeks as prescribed happily I went for diagnose and find out my Epilepsy and Autism is gone and today making it 9 Months and I'm now free from Autism, Seizure and Epilepsy, I will continue to share Dr Itua Natural Herbal Medicine works. I will recommend Dr Itua to anyone who suffering from,,,AUTISM, EPILEPSY, SEIZURE, COLD SORE, HERPES, HIV/AIDS.Shingles,Genitals Herpes,Dr Itua Contact Information..... Email...drituaherbalcenter@gmail.com.... WhatsApp Number....+2348149277967. Live Happily Again With Dr Itua Herbal Made Medicine.

    ReplyDelete