This document summarizes a presentation given on April 1, 2010 about healthcare reform and its impact on Texas business. It discusses the continuing crisis in healthcare and its high costs. It provides details on the proposed healthcare reform bills, including funding sources and impacts. It also examines the specific impact on Texas, including the large number of uninsured residents, expected increased federal funding, and implications for providers, costs, and the state budget. The presentation was given by John Boettiger of Deloitte Financial Advisory Services.
Did you have time to read the 1,990 page healthcare bill that was recently passed through Congress? Have you since wondered about the impact that massive bill will have on the average American, health insurance providers, business owners and YOU? If yes, then join the Young Professionals of Chicago as we host a panel of diverse health care professionals that will be discussing current healthcare reform and taking questions on the impact of the United States' new healthcare policy. The distinguished panelists will also provide some insight and clarity into what this massive bill means for individuals like you. There will also be an opportunity for open networking with other young professionals before and after the discussion.
This gives a good base knowledge of where the current insurance industry is, a timeline of when certain mandates go into effect and a simplified description of the mandats being launched on Sept 23, 2010.
Obamacare - The Patient Protection and Affordable Care Act - ACAAndrew F. Bennett
This short presentation will help bring you up to speed on the Affordable Healthcare act, eligibility requirements to buy in the online marketplace, and coverage that will be available.
Did you have time to read the 1,990 page healthcare bill that was recently passed through Congress? Have you since wondered about the impact that massive bill will have on the average American, health insurance providers, business owners and YOU? If yes, then join the Young Professionals of Chicago as we host a panel of diverse health care professionals that will be discussing current healthcare reform and taking questions on the impact of the United States' new healthcare policy. The distinguished panelists will also provide some insight and clarity into what this massive bill means for individuals like you. There will also be an opportunity for open networking with other young professionals before and after the discussion.
This gives a good base knowledge of where the current insurance industry is, a timeline of when certain mandates go into effect and a simplified description of the mandats being launched on Sept 23, 2010.
Obamacare - The Patient Protection and Affordable Care Act - ACAAndrew F. Bennett
This short presentation will help bring you up to speed on the Affordable Healthcare act, eligibility requirements to buy in the online marketplace, and coverage that will be available.
On Thursday, March 22, 2012, the Illinois Senate convened a Committee of the Whole to hear a presentation on Medicaid from Joy Johnson Wilson of the National Conference of State Legislatures.
Obamacare in Pictures: Visualizing the Effects of the Patient Protection and ...The Heritage Foundation
“Obamacare in Pictures: Visualizing the Effects of the Patient Protection and Affordable Care Act” shows in detail the impact of the sweeping health care law for Americans.
Learn how you can successfully navigate the Affordable Care Act, "Obama Care".
This easy to read outline will benefit your family and business.
Call (816-224-9466) for more information today.
Affordable Care Act Summary Provisions of the act are phased.docxnettletondevon
Affordable Care Act Summary
Provisions of the act are phased in over ten years.
2010
National temporary high risk pool for those denied coverage.
>82,000 previously uninsured persons gained coverage including more than 250 in Nebraska
Young adults up to 26 y.o. covered under parents’ plans.
>3 million previously uninsured young adults covered, including 18,000 in Nebraska
No lifetime or annual limits on coverage
105 million people benefit, including 700,000 in Nebraska
No denial by insurers of children for pre-existing conditions
No co-payments for preventive care
10-12 million have accessed preventive care, including approximately 360,000 in Nebraska
Tax credits for small employers (<25 employees) to provide health care coverage.
An estimated 360,000 small businesses with 2 million employees benefited in 2011
$250 rebate for Medicare beneficiaries in Part D coverage gap (doughnut hole)
4 million seniors benefited in 2010 including 26,072 in Nebraska
Scholarships and loan forgiveness programs for health professionals choosing primary care
Primary care & other health professions training grants
A number of grants have been made to Nebraska institutions
Comparative Effectiveness Research Grants
Prevention Research and Service Grants
A number of these grants have also been made to Nebraska institutions.
2011
Grants to employ and train primary care nurse practitioners
No co-pay for Medicare preventive services including comprehensive risk assessment and prevention plan
In 2011, an estimated 32.5 million people with traditional Medicare or Medicare Advantage received one
or more preventive benefits free of charge. In 2012 alone, >25 million people with traditional Medicare,
including nearly ~250,000 in Nebraska, have received at least one preventive service at no cost to
them.
Requires insurers to maintain Medical loss ratios or 80 (small group) or 85% (large group). Provides for states
to review and approve premium rate increases
12.8 million subscribers received insurance rebates totaling >$1 billion, including $4.8 million for 22,500
Nebraska families. Insurance rate reviews have saved consumers another $1 billion in premium costs.
50% discount on brand name prescriptions filled during Part D coverage gap
Since inception 5.4 million seniors have saved $4.1 billion; in Nebraska seniors have saved $27.5
million since 2010 because of donut hole rebates or discounts.
10% Medicare & Medicaid bonus for primary care physicians and general surgeons in shortage areas
Increase Medicare payments to hospitals in low cost areas
Increased funding for Community Health Centers
Nebraska Community Health Centers have received >$19 million in additional funding
2012
Bonus payments to high quality Medicare Advantage plans
Incentive Medicare and Medicaid payments to Accountable Care Organizations that demonstrate quality and
efficiency. ACOs have been demonstrated to lower annual health c.
On Thursday, March 22, 2012, the Illinois Senate convened a Committee of the Whole to hear a presentation on Medicaid from Joy Johnson Wilson of the National Conference of State Legislatures.
Obamacare in Pictures: Visualizing the Effects of the Patient Protection and ...The Heritage Foundation
“Obamacare in Pictures: Visualizing the Effects of the Patient Protection and Affordable Care Act” shows in detail the impact of the sweeping health care law for Americans.
Learn how you can successfully navigate the Affordable Care Act, "Obama Care".
This easy to read outline will benefit your family and business.
Call (816-224-9466) for more information today.
Affordable Care Act Summary Provisions of the act are phased.docxnettletondevon
Affordable Care Act Summary
Provisions of the act are phased in over ten years.
2010
National temporary high risk pool for those denied coverage.
>82,000 previously uninsured persons gained coverage including more than 250 in Nebraska
Young adults up to 26 y.o. covered under parents’ plans.
>3 million previously uninsured young adults covered, including 18,000 in Nebraska
No lifetime or annual limits on coverage
105 million people benefit, including 700,000 in Nebraska
No denial by insurers of children for pre-existing conditions
No co-payments for preventive care
10-12 million have accessed preventive care, including approximately 360,000 in Nebraska
Tax credits for small employers (<25 employees) to provide health care coverage.
An estimated 360,000 small businesses with 2 million employees benefited in 2011
$250 rebate for Medicare beneficiaries in Part D coverage gap (doughnut hole)
4 million seniors benefited in 2010 including 26,072 in Nebraska
Scholarships and loan forgiveness programs for health professionals choosing primary care
Primary care & other health professions training grants
A number of grants have been made to Nebraska institutions
Comparative Effectiveness Research Grants
Prevention Research and Service Grants
A number of these grants have also been made to Nebraska institutions.
2011
Grants to employ and train primary care nurse practitioners
No co-pay for Medicare preventive services including comprehensive risk assessment and prevention plan
In 2011, an estimated 32.5 million people with traditional Medicare or Medicare Advantage received one
or more preventive benefits free of charge. In 2012 alone, >25 million people with traditional Medicare,
including nearly ~250,000 in Nebraska, have received at least one preventive service at no cost to
them.
Requires insurers to maintain Medical loss ratios or 80 (small group) or 85% (large group). Provides for states
to review and approve premium rate increases
12.8 million subscribers received insurance rebates totaling >$1 billion, including $4.8 million for 22,500
Nebraska families. Insurance rate reviews have saved consumers another $1 billion in premium costs.
50% discount on brand name prescriptions filled during Part D coverage gap
Since inception 5.4 million seniors have saved $4.1 billion; in Nebraska seniors have saved $27.5
million since 2010 because of donut hole rebates or discounts.
10% Medicare & Medicaid bonus for primary care physicians and general surgeons in shortage areas
Increase Medicare payments to hospitals in low cost areas
Increased funding for Community Health Centers
Nebraska Community Health Centers have received >$19 million in additional funding
2012
Bonus payments to high quality Medicare Advantage plans
Incentive Medicare and Medicaid payments to Accountable Care Organizations that demonstrate quality and
efficiency. ACOs have been demonstrated to lower annual health c.
This presentation discusses the impact of health reform. It begins by defining the problem, then provides an overview of legislation and the impact on business. It provides a contrarian view of the subject and explains why health reform is really insurance reform. It also introduces the concept of consumer sovereignty,
· 7.4 Assignment Comparing Between-subjects and Within-subjects R.docxgerardkortney
· 7.4 Assignment: Comparing Between-subjects and Within-subjects Research
Design or locate a published study that illustrates application of between and within subjects design. Explain the merits of each and the limitations of each (between and within). Indicate which you believe is more informative of the results.
· Demonstrate understanding of the task and be able to address requirements using creativity and application of research design knowledge.
· Must demonstrate ability to analyze existing research to compare strengths and limitations of between-subjects and within-subjects analysis.
1
Course Learning Outcomes for Unit I
Upon completion of this unit, students should be able to:
1. Compare and contrast health services organizations within the healthcare system.
1.1 Explain the primary organizational components of the healthcare system and the
commonalities and differences among health services organizations.
Reading Assignment
Chapter 2:
Why and How Health Care Organizations Need to Change, pp. 13-34
Chapter 11:
Leading Change: First Steps in Employing Strategic Intelligence to Get Results, pp. 259-310
Unit Lesson
The Ideal Health System
Imagine you are now the Secretary of Health and Human Services; you have a magic wand and you can
create the perfect healthcare system. What components would it have? Would it include:
1. improving health outcomes for individuals, families and communities,
2. defending your population against threats to their health,
3. protecting your population against financial the consequences of bad health,
4. providing access to all with equality and no disparity, and
5. making it possible for people to make decisions in their own plans of care as well as have input into
the decisions that affect your country’s overall health system?
If you answered yes to these components, your definition matches the World Health Organization’s
Components of a Healthcare System (2010).
How This Course & Content Have Real-Word Application
We are witness to history and are living in one of the most active times in our country’s history for healthcare
reform. In 1966, the Medicare Act was signed into law by President Johnson, the most significant piece of
healthcare legislation in our country to that point. Fast forward from 1966 to 2010 and the passing of the
Affordable Care Act, which arguably is the second most impactful piece of legislation on U.S. health care
since the Medicare Act.
Medicare has grown significantly since 1966 and is now about 14% of our national budget, covering 47 million
Americans (Kaiser Family Foundation, 2015). Government health plans (Medicare, Medicaid, Tri-Care,
Veteran’s Administration) are growing and are on pace to insure more lives in the near future than lives
covered by commercial plans (Cigna, United, Blue Cross, etc.)
Speaking of this growth, Sylvia Burwell, Health & Human Secretary Director, announced that by 2018 the
Centers for Medicar.
The BoyarMiller Breakfast Forum returned in person discussing The Future of Houston: What's Shaping Our Economy. The panel of featured guests featured a variety of perspectives from Houston experts in Capital Markets, Energy, and Real Estate.
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BoyarMiller ACC Oct 11 2022 Presentation.pptxBoyarMiller
BoyarMiller Shareholders Chris Hanslik and Andrew Pearce, alongside Celina Carter of BWC Terminals, shared their professional corporate real estate experience regarding leasing for smooth business operations.
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As part of its ongoing Breakfast Forum series, BoyarMiller hosted three financial experts for a moderated discussion on The Current State of the Capital Markets 2019. The panelists were: Kamden D. Kanaly, CFP®, Chairman, KDK Private Wealth Management; John Sarvadi, Executive Managing Director, Corporate Banking, Texas Capital Bank; and Scott D. Winship, Managing Director, GulfStar Group Investment Bankers.
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CLE Presentation Content for an ACC Houston event.
Larry Wilson, Shareholder – Business Group
Gus Bourgeois, Shareholder – Business Group
Stacy Stanley Russell, Of Counsel – Litigation Group
Attorneys of BoyarMiller addressed meddlesome contract clauses from an in-house counsel point of view. Diligent contracting on the front end can help protect your client and avoid litigation on the back end. Drawing on their own experiences from prior roles as in-house counsel, our presenters will discuss several timely contractual provisions including indemnity and limitation of liability to show how business and litigation teams can work together to avoid potential conflict.
BoyarMiller: Pro bono in the trial courts and on appealBoyarMiller
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BoyarMiller Breakfast Forum: The Current State of the Capital Markets 2018BoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a moderated discussion on the Current State of the Capital Markets. Speakers included Mark Montgomery with BBVA Compass, Ali Nasser with AltruVista, and Scott Winship of GulfStar Group.
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As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a moderated discussion on the Perspectives on the Energy Industry 2018.
Speakers included John Berger with Sunnova Energy, Paul Perea with Tudor, Pickering, Holt & Co, and Sanjiv Shah with Simmons & Company International.
#unplug? Legal and Ethical Challenges in Employment in an Online WorldBoyarMiller
A presentation on the legal and ethical considerations in the employment life cycle from pre-employment through post-termination. Screening applicants, monitoring policies, remote work considerations, and access to social media during and post-employment can create ethical questions and legal ramifications for every company.
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This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
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Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
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15. Texas: First Team, All Uninsured
28% of Texans (6 MM) are Uninsured
30% of Harris County is Uninsured
26% of State Spending is on Healthcare for the
Poor
Small Businesses dominate the economy, but
only 32% of those with 50 or fewer employees
offer insurance in Texas, compared with 43%
nationally. As a result, 48% of Texans are
covered by employers, compared to 53%
nationally.
16. Texas: Demographic Realities
Biggest Problem in Texas is a Surging Population:
24.3MM in 2008, up 14.3% from 2000, fueled by
Immigrants who cross the Nation’s longest
border with Mexico.
56% of the births in Texas are covered by
Medicaid
25.4% Anglo, 11.1% Black, 59.5% Hispanic
17. Texas: Demographic Realities
Percent of Population Growth by Race/Ethnicity
from 2000-2014
- 6.03% Anglo
- 23.46% Black
- 71.6% Hispanic
18. Texas: Where the Uninsured Go
ER Visits increased by 18% Nationally
ER Visits increased by 33% in Texas
ER Visits increased by 33% in Harris County
Half of the ER Visits in Houston are Primary Care
19. Texas: Impact of Reform
Virtually all Texans will have Coverage by 2014
- 1MM New Medicaid Enrollees to bring the Total to
4.2MM
- 5MM added to Commercial Rolls
Total Federal Costs for 10 Years is $120BB!
Medicaid Eligibility Shift for Parents from 26% of
FPL to 133%
State of Texas 10 Year Budget Impact: $1.4BB
20. Texas: Impact of Reform
DSH Reduction of $1.2BB
Texas HHSC estimates Texas Costs to be much
Higher at $24BB from 2010-2023
Legislation requires Reauthorization after 10
Years
Feds pay all of New Costs until 2017 and then
Gradually Shift 10% to States by 2020.
21. Texas: Reform Implications
The Only Sure Thing is that the Numbers and
Outcomes will be Different!
Cost Shift Reduction in Insurance Premiums (40%)
Long Term, Expect Increases in Near Term
Huge Pressure on Providers with 6MM New
Covered Lives-Shortages will be Exacerbated!
On Balance Positive: $3.25:$1
22. Texas: Reform Implications
Doomsday vs. Nirvana Rhetoric to Continue-
Clearly, Both sides are Wrong!
Significant Pressure on other State Expenditures,
otherwise Tax Increases Likely
Intergovernmental Cost Shifting
34. Company
Employment
Relationship
Human Resource Management
Policies and Practices
Payroll Taxes
Workers' Compensation
Government Compliance
Employee Benefits
Employee
Grow Business
Manage Change
Align People
Manage Business
Employment Relationship Without Administaff
Employer Liability Management
Training and Development
Employment Administration
Recruiting & Selection
35. Service
Agreement
Employment
Relationship
Administaff
• Human Resource Management
• Recruiting and Selection
• Policies and
Practices
• Payroll
Administration
• Payroll Taxes
• Employee Benefits
• Workers’
Compensation
• Employer Liability
Management
• Government Compliance
• Training and Development
• Manage Business
• Grow Business
• Manage Change
• Align People
Client
Company
Employee
Employment
Relationship
Employment Relationship With Administaff
47. Employer Impact of Patient Protection &
Affordable Care Act (PPACA)
• Signed into law on March 23, 2010
• Staggered effective dates through 2018
• 2010-2011 Provisions
– Small business tax credit for employers that purchase health
insurance for employees
– Increase dependent coverage to age 26
– Elimination of lifetime medical plan limits
– Elimination of Pre Ex for dependents under age 19
– W-2 reporting of aggregate value of health coverage
– Recognize elimination of employer tax deduction for retiree drug
subsidy
– Partial reimbursement may be available for retiree claims
48. Employer Impact of PPACA cont’d.
• 2013 Provisions
– Increase in Medicare tax rate on high wage employees
– FSAs capped at $2,500
• 2014 Provisions
– “Pay or Play” provisions for employers
• Must offer qualifying health coverage to full-time employees (30+ hours week)
• Qualifying coverage must be affordable
• Employer penalties for failure to comply
– States to establish Health Benefit Exchanges for individual and small markets
– Elimination of annual limits on benefits
– No waiting period over 90 days; employer penalty of $400-$600 per employee if
entry requirement exceeds 30 days
• 2018 Provisions
– 40% excise tax on high cost medical plans