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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

20 comments:

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    ReplyDelete
    Replies
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      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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  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.

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

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    ReplyDelete
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  10. 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
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    ReplyDelete
  11. 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
  12. 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

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    Thanks for the Enlarging my penis sir, you indeed save my marriage...I am really grateful sir,

    ReplyDelete
  13. 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

  14. 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
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    ReplyDelete
  16. I was diagnosed as HEPATITIS B carrier in 2013 with fibrosis of the
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    ReplyDelete