New County health insurance plan will save Fiscal Court millions
* Financial hardship in cancer: The role of health insurance literacy
Daviess County Fiscal Court endorsed another health insurance supplier for County workers Thursday night, Starting January. 1, County employees will get health insurance through the Kentucky Department of Employee Insurance’s Kentucky Employees’ Health Plan (KEHP), instead of with Peel and Holland, the County’s present current insurance provider.
While representatives could pay more for their insurance through this new arrangement, County authorities expressed that the costs would not increment by much, and that the switch in suppliers would spare Fiscal Court up to $2.5 million.
Area Treasurer James Hendrix and Judge-Executive Al Mattingly went to Frankfort on Sept. 21 subsequent to accepting a letter of restoration from Peel and Holland on Sept. 11. Hendrix called the reestablishment proposition “shocking,” expressing that it was a lot higher than it’d been the prior year.
Most workers related with Fiscal Court were educated regarding the progressions during a progression of five unique gatherings that occurred under the steady gaze of Thursday’s Fiscal Court meeting. Daviess County Sheriff’s Office representatives will meet Friday to talk about their organization’s particular protection changes, as indicated by Chief Deputy Major Barry Smith.
Hendrix said the payout for people and families on the new arrangement would change, however not as definitely as certain representatives have theorized. Four distinct plans will be accessible for workers to browse. The individuals who are effectively utilized, retirees and the DCSO will all be under a similar protection supplier, however isolated into various pools with various value focuses and guidelines.
“We continued reasoning the pattern would pivot,” Hendrix said of the expanding costs in medical advantages. “For the fifth back to back year, it kept on deteriorating. It was excessively expensive and inadmissible. Luckily, on account of the individuals we’re managing, they didn’t simply present to us the awful news and dump it on us — they presented to us a feasible option.”
Hendrix said County pioneers have been discussing the probability of receiving the KEHP plan for a couple of years now.
As indicated by the Commonwealth of Kentucky’s site, the KEHP is a self-subsidized arrangement that offers medical coverage and adaptable spending records to almost 265,000 individuals.
Hendrix said the present protection plan had been changed throughout the most recent couple of years, however Fiscal Court continued “punting” the issue of increasing expenses until, at long last, they hit the stopping point.
“Since we are in the state benefits plan and CERS, we have [access] to this protection plan,” he said. “It’s an Anthem arrange simply like the one we have, so no different specialists will be in the system. It will be at an extraordinarily scaled down value since you’re spreading the hazard more than 268,000 workers.”
Because of time imperatives, Hendrix and Mattingly had just 10 days to evaluate the data they’d got and meet with state pioneers to talk about and support the new arrangement. Hendrix said Fiscal Court was fortunate to be given another, achievable arrangement in the short time period they were given to settle on a choice.
As per a Fiscal Court spending plan from the 2017-2018 monetary year, $4.2 million was spent on worker and joblessness medical coverage. Hendrix said this new arrangement could spare Fiscal Court a base $1.5 million be that as it may, more than likely, around $2.5 million, in view of cases.
Monetary Court will be required to focus on KEHP for a long time, wherein the organization can’t leave the agreement during that time. The main segment of the County’s present arrangement that will be held is the dental arrangement since it, as Hendrix referenced, was far better than the KEHP dental arrangement.
“Everybody, freely, arrived at a similar resolution, that we ought to relocate our arrangement to the KEHP plan,” Hendrix said. “We went up to Frankfort to sign this archive prior to Court endorsement because of time constraints.“
Financial hardship in cancer: The role of health insurance literacy
Study links problems understanding health insurance, medical bills to higher rates of reported hardship
A new American Cancer Society study links health insurance literacy with medical financial hardship as well as non-medical financial sacrifices among adult cancer survivors in the United States. The authors say the study indicates that health insurance literacy may be an important intervention for addressing financial problems associated with cancer. The report appears in JNCI Cancer Spectrum.
Rising costs of cancer care can result in financial hardship for cancer survivors, even among those with health insurance. Meanwhile, growing evidence indicates that many adults have limited knowledge, ability, and confidence to obtain, evaluate, and use health insurance information that may impact the ability to best use health benefits and lead to unnecessary medical spending.
Improving health insurance literacy has been proposed as a potential intervention to help minimize financial hardship. To date, however, little is known about the associations between health insurance literacy and medical financial hardship and non-medical financial sacrifices in cancer survivors.
To learn more, investigators led by Jingxuan Zhao, MPH of the American Cancer Society identified 914 adult cancer survivors from the 2016 Medical Expenditure Panel Survey Experiences with Cancer self-administered questionnaire, a nationally representative household survey overseen by the Agency for Healthcare Research and Quality. The survey addresses financial hardship, health insurance coverage, and access to care related to cancer, its treatment, and lasting effects of treatment.
Health insurance literacy was measured by the question “Did you ever have a problem understanding health insurance or medical bills related to your cancer, its treatment, or the lasting effects of that treatment?” Medical financial hardship was measured by reports of problems paying medical bills, worry about paying medical bills, and delaying or foregoing care because of cost. Non-medical financial sacrifices were measured by changes in spending, living situation, or use of savings.
They found that, adult cancer survivors aged 18-64 and >65 years with health insurance literacy problems were more likely to report any material hardship (18-64 years: odds ratio: 3.02; >65 years: odds ratio: 3.33), and more likely to report psychological hardship (18-64 years: odds ratio: 5.53; >65 years: odds ratio: 8.79) than those without the literacy problems.
Cancer survivors with health insurance literacy problems were also more likely to report all types of non-medical financial sacrifices and more likely to report any financial sacrifices than those without the problems (18-64 years: odds ratio: 9.90; >65 years: odds ratio: 2.12).
“Growing evidence suggests that health insurance literacy is a nationwide problem in the United States, and is associated with adverse effects,” write the authors, saying future longitudinal studies are warranted to assess if improving health insurance literacy can mitigate financial hardship.
“Interventions such as financial and health insurance navigation, decision aids, and more user-friendly and easier-to-read medical bills, which improve patients understanding of health insurance and medical costs, could potentially be applied to improve health insurance literacy and benefit cancer survivors.”
Materials provided by American Cancer Society. Note: Content may be edited for style and length.
- Jingxuan Zhao, Xuesong Han, Zhiyuan Zheng, Matthew P Banegas, Donatus U Ekwueme, K Robin Yabroff. Is Health Insurance Literacy Associated with Financial Hardship Among Cancer Survivors? Findings from a National Sample in the United States. JNCI Cancer Spectrum, 2019; DOI: 10.1093/jncics/pkz061