#BlueShield

[hylianpixl]

if there was any justice in the world, my insurance would pay 100% of the hospital visit I know is incoming. they forced me to switch to a bio similar of the drug that was working, and now that THEIR experiment failed I still have to foot part of the bill??? they give me another fucking bowel impaction and I'm financially responsible for their fuckup????? like obvs they're paying part of it but they should pay for 100% of all the problems that THEY caused trying to save ten bucks a month

yeah, that's literally the difference between the meds I was taking and the meds they forced on me. ten fucking dollars.

now I probably have even MORE permanent damage but hey at least some dumbfuck insurance exec gets their 23rd superyacht!!!!

i fucking hate america i fucking hate for-profit """"healthcare"""" im about to fucking Kill every insurance exec with my bare fucking hands

(for legal reasons the previous paragraph is a joke)

anyway I haven't been able to eat solid foods for the past week, I feel bloated af, my stomach is distended, and I'm constantly in pain. all for ten fucking dollars.

EDIT: btw, no, they don't allow you to just pay the difference. it's either you get the biosimilar or you pay $2k+ out of pocket every month 🙃

[onlytiktoks]

[infinity0nhigh]

BlueCross BlueShield: We don’t wanna pay for anesthesia if the surgery takes too long!

UnitedHealthcare CEO: *gets pumped full of lead*

BlueCross BlueShield:

[l-u-c-i-d-i-t-y-blog]

"Boston is charged with one count "Written Threat to Kill or Injure- Conduct a mass shooting or an act of terrorism." According to the Polk County Jail records, Boston remains detained with bail set at $100,000.

Boston had reportedly called BlueCross BlueShield after recent insurance claims were denied".

[free-luigi-mangione]

1. Oh yes, his team needs to see everything and be given sufficient time to plan. Prosecution is trying to play dirty by dilly dallying handing over of all the evidence, but then again it’s a standard practice and KFA has probably done it herself when she was working for the other side. Trials take years to start, especially since most defendants waive their right to a speedy one.

2. I’m not trying to criticise you (I hope it didn’t come across that way, sorry,) I’m just seeing a lot of idiots insulting KFA because they think such a complex case can be resolved overnight. The amount of documentation involved will be staggering. Again, she needs to review 100% of the evidence to see what she can use to save LM, not just the portion the prosecution will use to attack him. Simply getting a hang of the surveillance footage will take months. She also needs time to possibly identify alternate culprits she can bring up in court, not just focus on what the prosecution will use. She needs to know the entirety of discovery inside out, that shit does not happen in a month. His life is on the line, his lawyer cannot be caught unawares when the stakes are so high.

3. The jury is specifically chosen to ensure neutral participants. It’s a lot tougher to lie during voir dire than people think. Like you’re literally under oath, it scares most normal people. The intention of the prosecution in this case will be to isolate the murder from everything else - “Man A shoots Man B, so please lock him up.” KFA’s job is to add context, humanise him, make the abhorrent practices of the healthcare industry a factor to consider. Unfortunately for her, he’s going to look a lot less sympathetic during the trial when the prosecution emphasises that UHC was never an insurance provider for Luigi or any of his loved ones. His surgery was successful and covered by BlueCross BlueShield. Initially there were rumours the shooter had a mother he lost due to claim denial by UHC, and that would have worked much better in front of a jury tbh. There’s an element of direct self defence here that is sadly missing. They’re going to paint the shooter’s motive as ideological which to be fair it actually is. It will be tricky for KFA to bring that aspect of the case into consideration without strengthening the terrorism claim.

4. I also feel weird bringing it up (sorry) because the people usually talking about him being SAed in prison are jealous incels who hate that he’s better than they’ll ever be by every imaginable metric. Unfortunately it’s a very real possibility and I wouldn’t be surprised if the COs themselves haven’t been inappropriate with him already. It’s a very common tactic to break their morale down. He’s anyway being stripped and searched so regularly. He’s very young and to be crude very attractive. There will be inmates who respect him of course but to others he’s a trophy to get to first. Bragging rights for being the first one to hurt the people’s prince. Unfortunately most people in places like supermax truly deserve to be there, so we’re not talking mid level drug dealers with a heart of gold like in the PA prison, we’re talking death squad leaders and radical bombers. These people get off on sick shit and most victims will never, ever say a word because they find it so emasculating. Prison rape is a major issue in the US and unfortunately gets swept under the rug because the public does not give a shit about inmates.

i'm just glad the prosecution wouldn't be able to pull the not handing over discovery to his legal team but sitting for documentaries move again, hopefully.

no it's alright, you didn't come off that way but like i wanted to mention that a LOT of us are very young here (almost everybody with these blogs on tumblr are younger than Luigi) so we don't really know how legal procedures take place and we're all learning new things as we go. i really really hope everything works in his favour🤞

i understand everything you're saying. but i just want to point something out. i've had anons before saying his surgery was successful based on his one week update on reddit (i didn't bring this up then and i regret not saying my bit then). i am not arguing against what he'd said. i'm stressing on the fact that we don't really know him and his full medical history. based on personal experience, i can promise that successful surgeries can indeed turn out to be completely botched some time later and can make your life hell. you might need to have another surgery and that brings you back on square one and all of it is excruciating. and even if you don't need that/can't get that, because your health issues wouldn't get better because of a new surgery, life continues on the path of extreme pain/very real problems that hinder living the way you want to/need to in order to survive.

i understand that the kind of people you mentioned might bring up Luigi's safety in prison that way. but the people i'd spoken to were people very sympathetic to him, people exactly like you and me who'd meandered into the same conversation just like you and i did through the asks. and all three of those people (including you) were genuinely concerned and worried about him being sexually assaulted while in prison. i'm not saying that there aren't people who wouldn't love it if he was hurt in some way. i know that a vast number of men feel unfathomably jealous of the love and support Luigi has received from people, especially women worldwide and genuinely want him to be hurt and broken down just because he's the people's prince. i know similar people exist in hordes in prisons. i know he isn't safe anywhere in any prisons and i really hope he somehow manages to stay safe for the time being and hopefully walks free soon enough. and i am very very aware of how inhumane prisons are in USA, because i have had to look up a lot of things on how prisons work for this and i know for a fact that the list of lawsuits regarding sexual harrassment/sexual assault in US prisons is miles long. and that is without considering the assaults that aren't spoken of and never face legal action.

[longwindedbore]

How many of women each year bring the evidence of terroristic threats made against them by a male only to be told that, ‘there’s nothing the police can do. You’ll have to go to court for a restraining order.”

How many times were underaged school shooters reported before the murders only for the legal system to say, ‘there’s nothing the police can do’.

Allowed to keep their guns because, even though they’ll are too immature to drink alcohol, drive, vote, buy cigarettes, or sign contracts cannot be deprived of a high capacity, high cycling assault rifle-turned-hunting-rifle (in the USA only)

Well apparently Big Corporations-who-are-people-too (in the USA only) can call the police and there IS SOMETHING the police can and will do. IMMEDIATELY.

No need for the Korporations to go to court and get one of those useless restraining orders.

[telvannibugmusk]

BlueCross BlueShield website: BCBS

me: ah, better call breaking saul

[llalonde]

me when i am going to kill everyone at bluecross blueshield, workers comp, and the hospitals claims/accounting department

[seniorbenefits]

Life Insurance Company Rock Hill SC & Health Insurance Rock Hill

Understanding Life and Health Insurance in Rock Hill, SC

Let’s be real life is full of surprises. And while we can't predict the future, we can prepare for it. If you live in Rock Hill, SC, understanding your insurance options is more than just being financially smart—it's being responsible for your well-being and your family's future.

Introduction to the Insurance Landscape in Rock Hill

Why Rock Hill Residents Need Insurance Coverage

Rock Hill is booming. With a growing population, increasing job opportunities, and a vibrant community, there’s no shortage of things to love. But with growth comes the need for planning—and that includes having proper life and health insurance.

Economic and Demographic Overview

As the fifth-largest city in South Carolina, Rock Hill combines suburban charm with urban convenience. With healthcare costs on the rise and life becoming increasingly unpredictable, having insurance is crucial for every Rock Hill resident.

What is Life Insurance?

Life insurance is like a financial safety net for your loved ones. If something happens to you, the policy ensures your family isn’t left struggling to cover expenses.

Types of Life Insurance Policies

Term Life Insurance

Coverage for a specific period—think 10, 20, or 30 years. It's usually the most affordable option.

Whole Life Insurance

This one sticks with you for life and builds cash value over time. More expensive, but more benefits.

Universal Life Insurance

A flexible option that lets you adjust your premiums and death benefits as life changes.

Benefits of Life Insurance

Pays off debts and funeral expenses

Replaces lost income

Offers peace of mind

May include investment components

What is Health Insurance?

Health insurance helps cover your medical expenses—from routine check-ups to emergency surgeries.

Major Types of Health Insurance Plans

HMOs, PPOs, EPOs, and POS Plans

Each has its own network rules, costs, and flexibility. HMOs are restrictive but cheap. PPOs offer more freedom but at a higher cost.

Benefits of Health Insurance Coverage

Covers doctor visits and hospital stays

Includes preventive care

Protects you from high out-of-pocket costs

Access to a broader healthcare network

Choosing a Life Insurance Company in Rock Hill, SC

Finding the right life insurance company Rock Hill SC has to offer doesn’t have to be a pain.

Key Factors to Consider

Financial stability of the insurer

Customer service and reviews

Policy options and customization

Claim settlement ratio

Top Local Life Insurance Providers

State Farm

New York Life

Nationwide

Allstate

Local independent agencies like Comporium Insurance

Health Insurance Options in Rock Hill

When it comes to health insurance Rock Hill options, you’ve got plenty of choices.

Marketplace Plans

These are available through Healthcare.gov and offer subsidies based on income.

Medicaid and Medicare in SC

Medicaid: For low-income individuals and families

Medicare: For those 65 and older or with certain disabilities

Local Private Health Insurance Providers

BlueCross BlueShield of South Carolina

UnitedHealthcare

Aetna

Cigna

Comparing Life and Health Insurance

Key Differences

Life Insurance pays out when you die.

Health Insurance pays for medical services while you’re alive.

Why You Might Need Both

Think of it this way: health insurance helps you live well, life insurance helps your family survive well if you’re gone.

Costs and Affordability

Average Costs in Rock Hill

Life Insurance: $20–$100/month based on age and policy type

Health Insurance: $300–$600/month for individuals, depending on plan

Tips to Lower Premiums

Bundle policies with one provider

Maintain a healthy lifestyle

Choose higher deductibles

Work with an independent agent

How to Apply for Insurance in Rock Hill

Steps to Get Started

Assess your coverage needs

Get quotes from multiple providers

Compare policies

Fill out an application

Schedule a medical exam (for some life insurance policies)

Documents You’ll Need

Proof of identity

Medical history

Proof of income (for health insurance subsidies)

Common Myths About Life and Health Insurance

Busting Misconceptions

“I’m young, I don’t need life insurance.” Yes, you do—it’s cheaper when you’re young!

“Health insurance is too expensive.” Not with subsidies or Medicaid options.

“It’s complicated.” Not if you work with a good agent.

How to Choose the Right Policy for You

Assessing Your Needs

Family situation?

Current health?

Budget?

Employment status?

Working with a Local Agent

A local expert knows the ins and outs of health insurance Rock Hill and life insurance company Rock Hill SC options.

The Role of Insurance Agents in Rock Hill

Benefits of Working with a Professional

Personalized advice

Better understanding of policies

Help with claims and renewals

Finding a Reputable Agent

Look for licensed, reviewed, and experienced agents in the Rock Hill area.

Future Trends in the Rock Hill Insurance Market

Tech-Driven Changes

Digital applications, AI-driven quotes, and online claims are transforming the insurance space.

Personalized Insurance Plans

Expect more tailored policies based on your lifestyle and health data.

Final Thoughts on Insurance Planning

Living in Rock Hill, SC means enjoying a great lifestyle—but you can’t enjoy it fully without peace of mind. With the right life insurance company Rock Hill SC and a strong health insurance Rock Hill plan, you can face life confidently, knowing you’re covered from all sides.

Conclusion

Insurance might not be the most thrilling topic, but it’s one of the most important. Whether you're planning for the unexpected or safeguarding your health, the right life and health insurance in Rock Hill, SC can make all the difference. Take the time, do your research, and invest in a safer tomorrow—because peace of mind is priceless.

FAQs

1. What is the best life insurance company in Rock Hill, SC? It depends on your needs, but State Farm, Nationwide, and local providers like Comporium are popular picks.

2. Can I get health insurance in Rock Hill if I’m self-employed? Yes! You can get coverage through the ACA marketplace or private providers.

3. What age should I buy life insurance? The earlier, the better. Premiums are lower when you’re younger and healthier.

4. Is it better to use an agent or buy insurance online? Agents offer personalized help, while online tools offer speed. Ideally, use both!

5. What’s the cheapest health insurance plan in Rock Hill? Marketplace bronze plans or Medicaid (if you qualify) offer the lowest-cost options.

[aizenat]

Omg, our company is going with a BlueShield insurance moving forward! Yay! I hate our current provider!

[venteurinsurance]

Best Health Insurance Plans in Marylandin: Your 2025 Guide

When it comes to securing your health and your family’s future, finding the best health insurance plans in Marylandin is crucial. With rising medical costs and an ever-evolving healthcare landscape, choosing the right plan can make a big difference in both peace of mind and financial stability. Whether you're self-employed, between jobs, or simply exploring better options, this guide will walk you through what to look for in a health insurance plan—and why Venteur is your best choice in Marylandin.

Understanding Health Insurance in Marylandin

Marylandin (a fictional representation of Maryland for this discussion) offers a variety of health insurance options ranging from state-sponsored plans to private insurers. Residents can choose from HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and HDHPs (High Deductible Health Plans) paired with HSAs (Health Savings Accounts). Each comes with its own benefits, and the ideal plan depends on your specific needs.

Factors to Consider

Before diving into the best providers, here are key factors to consider when evaluating a health insurance plan in Marylandin:

Monthly Premiums: How much you'll pay each month.

Deductibles: The amount you pay before your insurance kicks in.

Co-payments and Coinsurance: Your share of the costs for medical services.

Network: Which doctors and hospitals are included.

Prescription Coverage: What medications are covered and at what cost.

Customer Support: How easy it is to get help when needed.

Top Health Insurance Providers in Marylandin

1. Venteur – Best Overall Health Insurance Provider

Venteur stands out as the top pick among the best health insurance plans in Marylandin. Their unique approach combines cutting-edge technology with personalized care, offering a platform that empowers individuals to tailor their insurance plans based on real needs—not generic profiles.

Why Venteur?

Custom Plans: Venteur allows you to build a plan that fits your lifestyle, budget, and health needs.

Transparent Pricing: No hidden fees or surprise charges. What you see is what you pay.

Human-Centered Support: Venteur’s customer service isn’t outsourced. You’ll speak to real people who actually care.

Digital-first Experience: From signing up to filing a claim, everything can be done online in minutes.

Employer Reimbursement Plans (ICHRA): Perfect for freelancers and small businesses, Venteur supports Individual Coverage Health Reimbursement Arrangements that reimburse employees tax-free.

Whether you're looking for an individual plan, family coverage, or support as a small business owner, Venteur offers unmatched flexibility and control.

2. CareFirst BlueCross BlueShield

As one of the largest providers in the region, CareFirst offers extensive network coverage and competitive premiums. They are known for solid preventive care services and a wide range of plan types, including HDHPs compatible with HSAs.

3. Kaiser Permanente

Kaiser is a popular choice for those looking for integrated care. They own and operate their own hospitals and clinics, which makes managing your healthcare simpler. Their plans are affordable and ideal for individuals who prefer everything under one roof.

4. UnitedHealthcare

This national giant has a strong presence in Marylandin and offers plans with wide-ranging benefits, especially for families and individuals with specific health conditions. They also offer excellent telehealth support and wellness resources.

How to Choose the Right Plan for You

Every individual or family has unique needs, so the best plan for your neighbor might not be the best one for you. Ask yourself:

Do you visit the doctor frequently or rarely?

Do you take regular prescription medications?

Would you prefer to pay more upfront (higher premium) to have lower costs when you receive care?

Are your preferred doctors in-network?

Online tools like those offered by Venteur can help simplify this decision-making process. You can compare plans side-by-side, see total estimated costs, and even chat with a licensed advisor.

Final Thoughts

Choosing the best health insurance plans in Marylandin doesn’t have to be a hassle. With providers like Venteur leading the way in flexibility, affordability, and support, you can find a plan that not only covers your health needs but also fits your financial goals. Whether you’re looking for a new policy or evaluating your current one, make sure you’re getting the most value—because your health is worth it.

[kinneydrugsoflc]

Lets talk about when I had A.L.L. Leukemia at 14 and I needed a specific medication after my kidneys failed that was $25,000 USD per shot. FEDERAL AGENT BlueCross BlueShield denied it. The BEST POSSIBLE COVERAGE for agents of the UNITED STATES FEDERAL GOVERNMENT was willing to let a kid with cancer die. My parents paid out of pocket for all three shots to save my life. Not even government employees and their families are safe from this shit. They have enemies everywhere and EVERYONE has a horror story.

[nursingwriter]

Drug Rehab Reimbursements Drug Rehabilitation and Health Insurance The good news for individuals with substance abuse problems who wish to make a positive life change and embark upon the process of recovery is that most major insurance companies offer coverage for in -- and outpatient rehabilitation programs. The federal medical leave act also allows individuals to take time off from work and enroll for a drug rehab program ("How Do I pay for a Drug Rehab," Therapist Unlimited, 2007). For residents of the state of Oregon, beginning in 2007, all insurance companies within the state (including most major insurance companies and the Oregon Medical Insurance Pool) must provide the same coverage for mental health and addiction treatment that they provide for general health conditions. The federal Mental Health Parity Act prohibits discriminatory annual and lifetime dollar caps for mental health benefits as compared with other medical and surgical benefits but the Oregon law requires insurers to provide coverage for treatment of chemical dependency and alcoholism with limitations no more restrictive the coverage or reimbursement of expenses arising from treatment for other medical conditions. The 2007 Oregon law also stipulates that deductibles and coinsurance for inpatient or outpatient treatment may not be greater than those under the policy for the treatment of other ailments (Oregonians Gain Benefit of Parity MH Coverage, APA, 2007). However, the 'bad' news is that on the federal level, health insurers like BlueCross BlueShield Association, United Healthcare Corp., WellPoint Health Networks, and the trade group America's Health Insurance worked aggressively to defeat federal legislation that was equally all-encompassing in its coverage. "Combined, the groups spent more than $13 million last year lobbying on issues that included mental-health parity ("Health Insurers Block Mental Health Parity Bill," Drug Rehabs, 2007). Furthermore, many addicted individuals do not have strong insurance coverage or any coverage at all. "Most drug abuse victims often come to the rehab center only when their addiction ruins everything good they ever had in their lives. This includes broken relationships and jobs. Without any money in the pocket and with practically nil support from your friends and family, it can be extremely difficult to pay for your drug rehab program" ("How Do I pay for a Drug Rehab," Therapist Unlimited, 2007). However, not all facilities are prohibitively costly. Serenity Lane in Eugene, Oregon, proclaims as part of its marketing and advertising plan that it accepts almost all insurance plans, and trumpets the fact that it offers value deals like the "ExSL (Long-Term Program)" that requires only a relatively modest fee of $6,495 per 30 day period, with a 60 day recommended minimum stay" and "partial financing available and a $500 discount for paying cash up front" (Treatment Costs at Serenity Lane," Official Website, 2007). In contrast, a stay of the same duration at the more famous Betty Ford Center is $23,000 ("Programs," the Betty Ford Center, 2007). Quality forms of rehabilitative assistance exist for individuals in a variety of income brackets. Also, for individuals who qualify, there are Medicaid assistance programs provided by the federal government. However, less costly programs often have longer waiting lists and offer less comprehensive, quality, and discrete care. There is, additionally, a high recidivism rate in amongst the substance abusing population. As well as inpatient treatment that addressees the medical consequences of addiction, programs must have intensive follow-up outpatient care to ensure that a substance-free lifestyle becomes a habit as much as the old, drug-using lifestyle. Both the Betty Ford Center and Serenity Lane offer such valuable programs, as well as special programs such as family therapy to supplement the care, but Serenity Lane's modest expense and location, in addition to Oregon's new law means that it holds special hope for state residents unable to afford exorbitant fees. Works Cited Health Insurers Block Mental Health Parity Bill." Drug Rehabs.com. 23 Sept 2007. http://www.drug-rehabs.com/health-insurers-block.htm How Do I pay for a Drug Rehab?" Therapist Unlimited. 23 Sept 2007. http://therapistunlimited.com/rehabs/Articles/Drug+Rehabs/How+Do+I+pay+for+a+Drug+Rehab Oregonians Gain Benefit of Parity MH Coverage." Psychiatric News. 40(19): 2. 7 Oct 2005. APA Website. http://pn.psychiatryonline.org/cgi/content/full/40/19/12 Programs." Betty Ford Center. 2007. 23 Sept 2007. http://www.bettyfordcenter.org/welcome/programs.php Serenity Lane is the Best Value in Oregon." Official Website. April 2007. 23 Sept 2007. http://www.serenitylane.org/value.html Treatment Costs at Serenity Lane." Official Website. April 2007. http://www.serenitylane.org/treatment_costs.html Read the full article

[realyoungdarius]

Creating Market-Based Health Insurance Reform: An Interview with Stephen T. Parente

Joanne Spetz (JS): Did you work between the master’s degree and doctoral program? SP: I did, and that was essential. I worked at BlueCross BlueShield in Rochester, New York. It was a very interesting environment on how health policy and health dollars went to work. You saw the large employer market because Kodak and Xerox were there. We were ahead of the curve compared to most other plans, having both staff-model HMOs [health maintenance organizations], as well as IPA-model [independent practice association] PPO [preferred provider organization] systems. My job was to write the computer code to create physician profiles, much like what we’re talking about for incentive-payment systems now.

JS: A related area of your work is on consumer-driven health plans. I expect many of our readers aren’t familiar with what consumer-driven plans are and why they are expected to affect behavior. Can you explain this?

SP: Consumer-driven health plans, at their root, are based in trying to alter consumer behavior. The idea is that insurance itself could potentially lead consumers to use too many resources. The reason why is that you’ve lowered the price of medical care so low with insurance, that consumers aren’t as careful about the use of the services because they think they’re free – or cost only $5 or $10. In reality, the care or product – like a prescription – could cost hundreds or thousands of dollars. This is called “moral hazard” by economists. What gave birth to consumer-driven health plans was the sense health care costs could be controlled better by trying to make the consumer feel the costs of the system more. One way to do this is the traditional thing that’s done in insurance, which is a deductible. You use a bigger deductible, which is a bigger part of the consumer’s income, so that consumers think twice about using so many services. These plans connect to the findings of the RAND Health Insurance Experiment of the 1970s. In that experiment, they gave enrollees one of a set of insurance designs, including high deductibles, low deductibles, and HMOs. They called the high-deductible health plan a “catastrophic health plan.” Patients had a very large deductible which they had to pay first before insurance paid anything. The experiment found that the deductible did affect behavior a lot and did not make health any worse, but consumers didn’t like this type of plan.

CK: What did you find in your research about how these plans affect patient behavior and spending? SP: We found the exact opposite of the stories, at least initially. The people who were choosing the plans were not the young and healthy. They were usually wealthy, which some people predicted would occur. But they tended to be folks with chronic conditions who were a little better educated than most. Furthermore, we saw the people who signed up for these plans and stayed in them started to have much higher health care costs, even compared to the PPOs and other plans that were thought to be expensive. We were working with several different employers that had given us access to their data, and we could predict the costs and expenditures.

JS: You mentioned how politicized these health plans became. During the health reform debate, you had your toe in the political waters, and you published an estimate of the cost of an early version of the Affordable Care Act. What did you learn both from an analysis standpoint and about how politics are played?

We came up with a revenue-neutral health reform design that was somewhat bipartisan and had some quiet Republican support. It didn’t have Medicaid expansion, but it was actually not a bad design. The sad part of the story was that it got completely shelved by the leadership inside the GOP, but not without a lot of fight and a lot of swearing, from what I understand. The broader party’s sense was that there was larger political gain for not compromising.

CK: So what are the possibilities over the next decade? One is that the Affordable Care Act (ACA) stays in place and there are efforts to modify it. The other is that there actually is a repeal, though I would suspect that this is a less likely scenario. But let’s start with the repeal scenario. In that case, what was your proposal?

SP: The replacement we have in mind doesn’t have an individual mandate. It does have guaranteed issue, so if someone applies for insurance, they have to be at least offered a plan at some price. When peo- ple say “guaranteed issue,” that doesn’t mean every- one is going to get coverage. You may not like the pre- mium you get, but you’ll still be offered a premium. There would be a subsidy that would be less than 400% of the federal poverty line (which for a family of four is $88,000), which is in the current law. Ours would have gone up to 300% of the federal poverty level, which is $66,000. We would not tie the subsidy to the benefit generosity of one particular plan design. We would instead put a fixed dollar amount on the subsidy, and have that amount move up with infla- tion. Basically, it would be a voucher with a dollar value. To fund it, you’d tax employer-sponsored health coverage if it’s above what federal employees get now on average. That idea has had bipartisan sup- port.

JS: In the other scenario, which is where the Affordable Care Act doesn’t get repealed, what are the kinds of amendments or regulations would improve health reform?

SP: The biggest thing that the ACA is not address- ing is cost inflation. It’s still 8%. Just to give you some perspective, we estimated that the typical family pre- mium for 2011 was on average $15,000. In 2000, it would have been $5,500. If extrapolate it out, you get $28,000 for that same health plan by 2019. This is far above of the poverty line. There has to be something to address that issue. This is going to be the most vexing challenge: Do we have the budget wherewithal to with- stand what is being proposed? There is not an explicit cap on the subsidy in the ACA, so the cost could be much higher that what the CBO said. The other major piece that’s lurking is health IT (HIT), which is not going to work the way everyone hopes it will.

CK: What do you mean by that? How is it not going to work?

SP: What people expect HIT to do is link everything together virtually, the same way you or I, or any-one who uses a Blackberry or iPhone can get to our email account on the cloud, and it’s all seamless and integrated. That’s what people want medical health data records to become. You go from care system to system, and can track what’s going on, letting the data move. The problem is that I don’t think most hospitals have really embraced the concept of letting data leave. Furthermore, the IT vendors haven’t designed the platform for data to leave. The fault is really on the hospitals because the hospitals have the greatest ability to dictate terms for the products they will buy. They should say to vendors, “Look, things have to link.” Physicians and nurses play a role in IT success as well – the nurse champion, and the physician champion, are the change agents to help things go forward. $

[qhsetools2022]

Quality Management Systems Auditor (ISO)

Job title: Quality Management Systems Auditor (ISO) Company: BlueCross BlueShield Of South Carolina Job description: ! Description Position Purpose: The main purpose of a QMS auditor is to perform ISO 9001 internal Quality Management System audits… for all certified areas, or areas seeking certification, as compliant to the ISO 9001 Quality Management System standard. Logistics… Expected…