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Monday, October 28, 2024

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Israel retaliates against Iran; Americans oppose mass deportations; an online event aims to break myths about immigration; bail reform doesn't have the impacts some believe; insurance claims post-Helene and Milton are being denied at high rates; members of a teacher's union are unhappy at the pace of negotiations; and early voting yields high returns.

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Former first lady Michelle Obama campaigns about a loss of reproductive freedom in a second Trump presidency. Sen. Lindsey Graham pushes back on John Kelly's "fascist" description of Trump, and advocates call for nonpartisan support for national parks.

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Down-ballot races get short shrift in funding from political parties, Minnesota nice means helping high school kids get a head start on future careers, and Oklahoma tribes reverse effects of historic ag consolidation.

CT residents must carefully consider health-care plan needs

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Thursday, October 24, 2024   

With Medicare's open-enrollment ongoing, Connecticut experts are advising people on what to look for in an insurance plan. The state's rising cost of essentials might send people looking for cheaper premiums, not realizing this could increase other costs.

The Connecticut Healthcare Affordability Index finds most residents with Medicaid did not have incomes high enough to afford basic needs in 2022.

Tiffany Donelson, president and CEO, Connecticut Health Foundation, said there are many other affordability challenges.

"The cost of care is more," she said. "The cost of resources for care is more. So, this is not something that isn't necessarily things that we can control, and there are some things we can control related to cost."

The state's Office of Health Strategy has put together a committee to examine ways to lower the state's growing cost of health care.

One way to ensure people get the care they need is to retain a broker. But plans will be a bit harder to afford since Connecticut's Affordable Care Act Exchange will grow by almost 6% in 2025. While the increase is smaller than insurers wanted, it's still considered unaffordable.

Melissa Roberts, principal examiner for the Accident and Health Division, Connecticut Department of Consumer Affairs, recommends that - along with ensuring a person's physician is in their plan's network - being sure to get an ACA compliant plan, which come with the full backing of the state's insurance department.

"They have to follow all our state regulations. The plans need to include all of our mandated benefits and then if they're not paying or they're not doing something appropriate, you have the option of filing a complaint with us and having us investigate," she explained.

Given the bulk of information people encounter in this process, another tip for people is to start as early as possible. Dr. Rhonda Randall, chief medical officer with UnitedHealthcare, said there are plenty of other questions people should consider when evaluating what they need from their coverage.

"The second thing is recognizing that a lot can change in a year," she said. "So, you want to consider, are your current benefit plans still meeting your health-care needs and your budget needs, and has anything changed with your plan?"

People with employer-sponsored coverage typically select a plan during a two-to-three week period between September and December. And open enrollment for Affordable Care Act plans runs from November 1 to January 15 in most states. More information is available at www.UHCOpenEnrollment.com.




Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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