BOSTON - People went door to door all over Massachusetts this weekend, and not all of them were singing Christmas carols. Many were alerting folks to upcoming deadlines for signing up for health insurance. It was part of an effort to knock on 200,000 doors during open enrollment.
Volunteers from several groups, including Health Care For All and the Health Connector, focused on finding people who need to select a plan and make a payment before tomorrow to stay covered on Jan. 1, 2015. Jean Yang, executive director of the Massachusetts Health Connector, explains...
"If you missed the upcoming deadline, which is Tuesday, you can only apply for Health Connector coverage that starts February first," Yang says.
There were "good tidings" last week, as the Health Policy Commission reported healthcare spending is slowing in the Commonwealth. From 2009 to 2013, Massachusetts spending grew less than the U.S. rate. Yang, a member of the Commission, says overall, Massachusetts still continues to be among the highest-cost states in the country.
Yang says much remains to be done.
"Much as the trend is slowing down, we continue to be at the very, very high place in terms of overall absolute level of healthcare spending," she says. "Healthcare is still extremely expensive in Massachusetts. We have to not only slow it down, but also basically make it lower."
Amy Whitcomb Slemmer, executive director of Health Care For All, emphasizes that if you're enrolled in a 2014 Marketplace plan, the mid-February open enrollment deadline is not the one that matters.
"For some people in Massachusetts, their coverage actually ends January first and it's vitally important they take action to sign up for health insurance so they don't have any gap in care or coverage," she says.
Slemmer says 97 percent of Commonwealth residents have coverage and advocates are working hard to get that to 100 percent.
Yang says signing up online should be easier than a year ago, when computer glitches plagued both Commonwealth and U.S. government web sites.
"People should try to do the online application as much as possible because there is unlimited capacity there," she says. "At least that is how it seems because the performance of the website is just extremely strong."
Options include walk-in centers and a call-in center. (HCFA has a Helpline: 1-800-272-4232)
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A recent report examined how some rural Tennessee hospitals have managed to stay afloat despite financial challenges.
The report includes interviews from staff at five different rural hospitals, which range in size from 25 to 125 beds.
Judy Roitman, executive director of the Tennessee Health Care Campaign, said some of the hospitals are drowning in uncompensated care. She explained as part of their research, they did an interview with a CEO from a rural hospital in Kentucky who expressed the importance of Medicaid expansion.
"Kentucky has expanded its Medicaid program and Tennessee has not," Roitman pointed out. "He said that's the key to our stability is actually having the funds coming in to treat these patients. And the CEOs and others in Tennessee hospitals said it would make a huge difference to have that federal funding."
Roitman added the federal government is offering Tennessee a nine-to-one match. If Tennessee were to expand Medicaid, at least 330,000 people would gain access to coverage.
Roitman pointed out the report suggested further steps hospitals could take, including examining how they are reimbursed for services provided. She noted private insurance plans tend to provide the highest reimbursement rates, and said more funding is needed to support TennCare, which does not cover enough of the cost.
"TennCare is all managed by managed-care organizations," Roitman explained. "They negotiate with every hospital about how they're going to reimburse and the big hospitals have some leverage to demand better payment and the smaller hospitals are just, they're just not getting paid."
Roitman added the report credited strong community engagement and effective hospital leadership as key factors in staff retention. Robust management and maintaining an engaged workforce significantly affect a hospital's viability, according to the report.
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Medicare and Medicaid are key sources of health coverage for many Americans and some people qualify for assistance under both programs. With lagging enrollment for the unique plans, outreach efforts are underway.
According to KFF Health News, only about three in 10 people who qualify for Dual-Eligible Special Needs Plans were enrolled in 2021. Experts said the option is designed for people who need additional help because of disabilities, certain health conditions or their age.
Dr. Gina Williams, associate medical director for UnitedHealthcare, said the plans try to take a dynamic approach to serving those eligible.
"Everything from managing your wellness to managing your behavioral health needs and then everyday needs," Williams outlined. "It's kind of a more comprehensive package for people who need a little bit more support."
Everyday needs include meal benefits and bathroom safety devices. The National Council on Aging said D-SNPs aim to provide a more streamlined coordination of care because there is assistance in arranging the services. Wisconsin's enrollment numbers are similar to the national rate, at 28%.
Christine Huberty, lead benefit specialist and northern region supervising attorney for the Greater Wisconsin Agency on Aging Resources, said a tricky component of the plans is navigating provider network restrictions. A rural resident might have to travel farther to see a doctor covered under the plan and she cautioned it warrants careful research when enrolling.
"I would say first and foremost, look at the provider network restrictions," Huberty advised. "Look at what's available in your area."
Meanwhile, Williams noted the push to get more eligible people to sign up coincides with more awareness around preventive care in a post-pandemic world.
"Everybody's kind of going into a phase where they're not only thinking about acute illness, but they're thinking about overall care," Williams observed. "What was the impact of the pandemic from a psychological standpoint? Do you need more support and then you also need more coordination of benefits?"
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In Mississippi and across the country, Community Health Centers are getting a funding increase, thanks to Congress passing a bipartisan spending package.
Community Health Centers in Mississippi serve patients without regard to their insurance status or ability to pay. More than 20 locations in the state provide medical care to more than more than 380,000 people.
Joe Dunn, senior vice president of public policy and advocacy for the National Association of Community Health Centers, said roughly one in 11 Americans gets their care from this type of clinic.
"Community Health Centers are the largest primary care network in the nation, providing care for 31 million Americans," Dunn pointed out. "This network is critically important, because they provide primary care, behavioral health, dental; just an array of services that are so critically needed."
Dunn emphasized more can be done. Research shows more than 100 million Americans need better access to primary care. Community Health Centers in Mississippi also support more than 4,000 jobs and about $678 million dollars in economic activity in the communities where they're located.
Dunn noted the increased funding from Congress will help the clinics provide more comprehensive care and reach more underserved patients, especially in rural communities, which ends up saving the state money.
"By incentivizing people to go get primary care, you alleviate more downstream costs," Dunn emphasized. "There's fewer hospitalizations and complications from chronic conditions, based on preventive screening and care at the outset."
The Congressional Budget Office reports the increase in funding for Community Health Centers just through the end of this year will reduce federal spending on public health insurance programs by more than $700 million.
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