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MARCH 5, 2010This Week in Health Insurance Reform This week, President Barack Obama continued to pressure lawmakers to pass a final health insurance reform bill, calling for its passage through reconciliation, a process which only requires the support of a simple majority. Republicans continued to oppose the President’s proposal , vowing to fight the expedited reconciliation process, while House Democratic leaders began intense internal discussions to rein in the needed votes.Health Care Reform NegotiationsHealth Care Summit Ends in Stalemate: Last Thursday , President Obama and congressional leaders spent nearly seven hours debating how to overhaul the U.S. health care system. Republicans argued against this new proposal, labeling it a government takeover and suggesting a more incremental approach. The philosophical differences between the parties were evident throughout the summit and remained unchanged at day’s end. As predicted, no new agreement was reached, and Democratic leaders left the meeting determined to press forward with or without bipartisan support.Tensions Increase Between the President and Congressional Republicans: After last week’s health care reform summit, which displayed deep rifts between both Democrats and Republicans, the President sent a letter Tuesday to Congressional leaders. In the letter, the President offered to incorporate a handful of Republican ideas into his bill, including: the expansion of health savings accounts; increases to Medicaid reimbursements to doctors; the implementation of undercover investigations to combat fraud in the Medicare system, and increases in funding for grants to states to explore alternatives to resolve medical malpractice lawsuits.Republicans rejected his proposal, calling his bill “unsalvageable,” and asked him to listen to the American people and start the process from scratch.President Obama Calls for Passage through Reconciliation: On Wednesday, the President stepped up the pressure, urging lawmakers to finish work on health care reform legislation. He encouraged them to ignore the politics of the issue, saying, “I do not know how this plays politically, but I know it’s right.”Additionally, the President expressed his support for using the reconciliation process to prevent a Republican filibuster. The process would involve legislators in the Senate working with House members to develop a reconciliation package. This package of “fixes” would only require a simple majority vote in the Senate, as opposed to the 60 votes usually required to pass legislation. Democrats can no longer rely on the normally required 60 votes to pass the bill , due to the election last fall of Republican Senator Scott Brown.Republicans continued to express strong opposition for the reconciliation tactic, saying that it was never intended for such important legislation; it raises the specter of unlimited amendments and challenges to the bill’s provisions.Democrats Work to Shore Up Votes: Democrats continued to work behind closed doors to garner enough votes to pass the Senate bill before the congressional Easter recess, which begins March 29, a deadline set by the President. A number of issues continue to present challenges for Democratic leaders, including Medicaid funding, immigration and abortion funding.Abortion Issue Looms over Health Care Reform Bill: As final legislation begins to take shape, the debate around the use of federal funds for abortions continues to draw rancor from both sides of the issue.Currently, the new legislative package contains less restrictive language on federal funding of abortion, which diverges from the language included in the version passed by the House last fall. Rep. Bart Stupak (D-MI), a leader among anti-abortion Democrats, has intimated that this new language could cost House Speaker Nancy Pelosi (D-CA) the 10 to12 votes that she needs to pass the bill. On the other side, supporters of abortion rights fear the inclusion of more restrictive language.Additional ActivitiesJobs Bill Extends COBRA Coverage and Medicare Payments: This week, both the House and Senate passed bills giving unemployed Americans another month of health care coverage through COBRA and protecting physicians from a looming 21 percent cut in Medicare fees. This measure will now go to President Obama, as debate begins on a much broader bill that would extend the safety net programs through the end of the year.House Energy and Commerce Committee Expands Investigation into Rate Increases: After recently examining the rate increases proposed by Anthem Blue Cross in California, House legislators signaled their intention to expand the investigation by summoning the chief executives of the nation’s four largest for-profit health insurance companies to testify before the committee on the topic of preexisting conditions. The top executives at WellPoint, UnitedHealth Group, Humana and Aetna have been invited to appear before the Subcommittee on Oversight and Investigations on March 23. White House Meeting with Insurers: On Thursday, five health plan CEOs and representatives of the National Association of Insurance Commissioners met with Health and Human Services Secretary Kathleen Sebelius at the White House to discuss insurance premium increases and rising health care costs. The President also stopped by the meeting.Public OpinionAmericans Support Incremental Steps to Reform: In a newly released Rasmussen Reports survey , 52 percent of American voters continue to oppose the health care plan proposed by President Obama and congressional Democrats. Further, 63 percent of those polled believe that passing smaller, more targeted bills is a better strategy for achieving health care reform. In addition, just over half think that health care costs will rise if the current plan passes into law. Only 17 percent are convinced that the plan will decrease health care costs.Editorials Point to Failed Massachusetts Health Care Experiment: Also this week, both the Wall Street Journal and Boston Herald featured opinion pieces pointing to the high costs of health care in Massachusetts, which passed its own version of universal care in 2006. Talk radio host Michael Graham in the Boston Herald pointed out that the Massachusetts plan is already $47 million over budget this year, saying, “It’s killing us on costs: Average Massachusetts premiums are the highest in the nation and rising. We also spend 27 percent more on health care services, per capita, than the national average.”Looking Ahead The next major step will be for Senators to send the reconciliation bill to the Congressional Budget Office (CBO) for a cost estimate, which could take days or even weeks to finalize. As Democratic leaders continue to lock down a strategy on the process, timing and substance of the bill, President Obama plans to travel to Philadelphia and St. Louis next week to discuss the importance of the bill’s passage. www.easytoinsureme.com

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President Obama’s Health Insurance BillPresident Obama Releases New Health Care Proposal in Time for Health Summit: On Monday February 22, 2010, White House officials unveiled a new health insurance reform overhaul that builds on the Senate version passed last Christmas Eve, with some changes aimed at pleasing House Democrats who had concerns with the Senate bill. The President’s proposal does not include the public option, despite the hopes of Senate Democrats, due to White House concerns that the provision will hinder passage in the Senate. President Obama ignored requests by Republicans to scratch the Democratic plan and start over. As such, Republican leaders questioned Democratic motives and labeled the bill as a massive government takeover of America’s health care system.Republicans Insist House Democrats Don’t Have the Votes to Pass Legislation: Minority Whip Eric Cantor (R-VA) announced on Wednesday that Democrats don’t have the necessary votes to pass the President’s proposal in the House because of three new House vacancies and lagging support among some moderate Democrats. At issue for some Democrats are weaker abortion provisions in the President’s proposal as well as the ongoing controversy over passing a bill by a simple majority, a process known as reconciliation.Health Care Summit PreviewOn Thursday, the President’s Health Care Summit began at 10:00 a.m. with opening comments from the President, followed by remarks from both Republicans and Democrats. The discussion centered on four themes: controlling health care costs, overhauling the insurance market, reducing the deficit and expanding insurance coverage. Prior to Thursday, several top Republicans and some Democrats stated that expectations were extremely low for the Summit’s success.House Republicans arrived armed with their own version of a health care bill that encourages small businesses to join together to buy insurance, gives federal money to states to run high-risk pools for those unable to obtain private insurance and limits damages in medical malpractice lawsuits. The Republican plan would cost $61 billion and cover three million people over ten years. In contrast, President Obama contends his plan would cost $950 billion and cover 30 million people over the same time period. However, officials at the Congressional Budget Office (CBO) indicated they would not be able to officially score the President’s proposal with just a summary – that legislative language is needed.Note: A full summary of the results from the Health Care Summit will be included in next week’s newsletterAdditional ActivitiesWellPoint Executives Defend Premium Increases: On Wednesday, the House Energy and Commerce Subcommittee on Oversight and Investigations held a hearing to examine the proposed health insurance premium increases by Anthem Blue Cross in California. Anthem, a WellPoint subsidiary, recently informed subscribers in California that premiums for individual insurance policies would be raised an average of 25 percent, with some rates going up as much as 39 percent. Angela Braly, president of WellPoint , said the premium increases were justified by soaring medical costs, and that pending legislation could make the problem worse, driving up costs further for young, healthy people. “Raising our premiums was not something we wanted to do,” Ms. Braly said . “But we believe this was the most prudent choice, given the rising cost of care and the problems caused by many younger and healthier policyholders dropping or reducing their coverage during tough economic times. By law, premiums must be reasonable in relationship to benefits provided, which means they need to reflect the known and anticipated costs they will cover.”In Sacramento , Leslie Margolin, president of Anthem Blue Cross in California, also testified before lawmakers, joined by vice president and general manager James Oatman. The focus of that hearing was also the proposed premium increase for California members in the individual market, with company executives pointing to the current economic climate and rising health care costs as reasons for the rate hikes. U.S. House of Representatives Repeals Antitrust Exemption from Health Insurance Companies: On Wednesday, the House of Representatives voted 406-19 in favor of repealing a 65-year-old antitrust exemption from health insurance companies. Democrats said the repeal would lead to increased scrutiny of the industry. Yet, the non-partisan Congressional Budget Office said last year that repealing the exemption would not significantly reduce premiums because states already investigate health insurance companies.In addition, industry executives pointed out that legislation could further hinder competition and the ability to share information to improve health care quality. “Health insurance is one of the most regulated industries in America at both the federal and the state levels,” said Karen Ignani, president and chief executive of America’s Health Insurance Plans (AHIP). “The real focus should be on addressing the rising cost of medical care, which is putting an unsustainable burden on families, employers and the federal budget,” she said.Public OpinionPolling Suggest Health Care Reform is Still Key to Economic Recovery: Recent polling on health care reform shows mixed reaction among the public over the proposed legislation. According to a recent CNN poll, 48 percent of those questioned said lawmakers should work on an entirely new bill and 25 percent felt that Congress should stop work on health care reform altogether.According to the monthly poll from the nonpartisan Robert Wood Johnson Foundation, 75 percent of Americans still think it’s important that Obama include health care reform in addressing the nation’s economic crisis, while many still harbor doubts about the legislation.When asked how health care legislation relates to their economic situation: * Nearly 31 percent said they thought the Democratic bills would make their personal financial situation worse, compared with 10 percent who said it would improve their family budgets. * Forty-two percent said the nation’s fiscal condition would suffer because of the legislation, compared with 26 percent who said it would get better. * Americans were divided on whether the Democrats’ approach would improve overall access to health care around the country, with 35 percent saying it would and nearly that many disagreeing.Health Insurance Coverage Varies Widely Based on Age: Coming just before the President’s Summit on Health Care Reform, a newly released Gallup Poll reinforces the wide degree of variability in health insurance coverage across U.S. population segments, especially when it comes to age. Eighty-four percent of 18-year-olds have health insurance, most likely because they are still covered under their parents’ policies. By age 22, health insurance coverage reaches its lowest point, with just 66 percent maintaining coverage. From age 22 on, the percentage of Americans with health insurance begins to climb, albeit slowly, reaching the 95 percent level at age 65 when Medicare becomes an option.Looking Ahead Legislators need to determine next steps for health care legislation coming out of the President’s Health Care Reform Summit. On Wednesday, Department of Health and Human Services Secretary Kathleen Sebelius invited executives from the top five insurance companies to meet at HHS to discuss their companies’ insurance premiums.

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10 Easy Steps to Detoxify Your Body and Improve Your Health

The environment we live in is full of toxins. We inhale them in the air we breathe, ingest them with our food and water, and absorb them through the pores in our skin. Even the personal care products and cleaning supplies that we take for granted are full of poisons that are harmful to our bodies. While we are surrounded by pollutants from the environment, the human body produces its own toxins. Our metabolic processes result in chemical wastes which can compromise our health. The accumulation of these harmful substances in the body is known as “toxic load” – sometimes referred to as “body burden.” Over time, the buildup of environmental toxins in our systems can lead to chronic or severe health problems. Some medical researchers estimate that nearly 75% of the diseases that afflict us are largely due to the toxicity of our systems. Headaches, chronic respiratory illness, cancer, and even autism have been linked to the accumulation of unsafe chemicals in the body. The good news is that, although it is impossible to completely isolate ourselves from these harmful substances, we can reduce our exposure to them and decrease their impact through a simple detoxification program. By following these 10 easy steps, you will rid your body of many harmful chemicals, putting yourself on the path to a healthful lifestyle and greater sense of well-being. 1. Get plenty of restorative sleep. Adequate rest is critical to your body’s ability to heal itself and perform its many biological functions properly. 2. Plan your meals with good nutrition in mind. Be sure to eat plenty of whole grains, fresh fruits and vegetables; avoid processed and pre-packaged foods, refined flour and sugar products, trans-fats, and red meats. Proper nutritional balance is important for maintaining healthy organ function, especially the excretion of toxic elements through the liver. * A cleansing diet designed to flush toxic matter from your digestive system may be incorporated into your detox program. Keep in mind that these diets are meant for the short term only, and people who are being treated for a medical condition should not undertake a restrictive diet without the approval of their physician. 3. Adapt a stress management technique that suits your lifestyle, such as yoga, meditation, or another soothing activity that you enjoy. Stress is responsible for the production of hormones which can be harmful, leading to heart disease and other severe illness; stress management reduces levels of these hormones and boosts your ability to cope with the challenges of life. 4. Physical activity heightens your body’s ability to excrete toxins, as well as providing an overall health benefit. Exercise is important to the success of your detoxification efforts, in addition to being necessary for a healthy lifestyle. 5. Avoid behaviors that are detrimental to your health, like smoking, drinking alcohol in excess, and recreational drug use; stay away from artificial stimulants like caffeine. These substances will inevitably slow down your detoxification progress. 6. Take herbal supplements. There are several detoxifying herbs which are available in either tea or capsule form. These include dandelion, milk thistle, burdock, and red clover. Ginger root and the popular acai berry are also known for their detoxifying properties, as is Vitamin C. 7. Purchase a body cleanse or liver and colon cleanse kit. These consist of natural detox products that flush toxins from your liver and colon, restoring optimal function. 8. Drink plenty of water. Adequate hydration is needed to remove toxic elements from your body. 8. Massage therapy is not only relaxing and restorative; it allows your body to excrete toxins up to 200 times faster than on its own. 9. Take a sauna or a hot bath regularly. The skin is a major excretory organ, and the heat of a sauna or bath opens the pores and increases your body’s rate of natural detoxification. 10. Reduce exposure to toxic elements. An air filter in your home will drastically improve the quality of the air you breathe; use natural cleaners and personal care products whenever possible to prevent the absorption of toxins through your skin. Sticking to organic foods lowers your risk of ingesting dangerous pesticides. Watch out for foods wrapped in plastic wrap; plastic contains chemicals called phthalates which are known to cause cancer and developmental problems, including early-onset puberty. While it is impossible to completely eliminate your exposure to dangerous chemicals in the environment, by following these steps you can greatly diminish their harmful impact on your health.

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According to the U.S. Census Bureau, Texas leads the country in the number of people without Texas health insurance. Although nearly one in five Americans, are not insured, it is estimated that one in three Texans are uninsured. In Texas Medical Association report, “additional 5.5 million Texans – including 1.4 million children – lack health insurance”.In a report published by the Texas Comptroller of Public Accounts, “The uninsured are a diverse group that includes people who cannot afford private health insurance, working in small businesses that do not ‘ insurance, who simply choose not to buy health insurance, even if they can afford it, who are eligible – not registered – government-sponsored programs such as in Medicaid or the Children’s Health Insurance Plan (CHIP), and recent immigrants. The most notable omission from these reports is that it is often difficult for people to navigate the selection of Texas get health insurance. There are a multitude of choices and decisions. Do I get an individual or family coverage? Should I go with a health organization (HMO), preferred provider organization (PPO) or another type of plan? What kind of deductible should I choose?The task to find Texas health insurance is even more daunting because, as you move from a health insurance company to another, you find that each offers a different set of options. Accordingly, it is difficult to compare apples with apples proverbial. Most people do not realize that a full-service agency based in Texas health insurance can help every one of individuals and families to small business owners and Medicare beneficiaries understand the options that are their disposal to obtain insurance. Better still, these agencies offer their services and free support. It is because they are compensated by insurance companies, rather than the insured. Therefore, you can collect the benefits of their expertise impartial, free of charge. Best of all, some of these agencies have implemented easy to use online systems that allow you to obtain quotes, compare Texas health insurance plans and even apply online – all from the comfort your home. In fact, you can view the plans of health insurance, life insurance, dental plans, health insurance plans and all in one place. To obtain quotes for health insurance, for example, simply enter your details into an online form, and then provide some basic information about you and other family members you wish to insure. The system will then generate quotations from a variety of companies, which allows you to compare side by side. You can sort the results by a number of factors, including the health insurance company, plan type, deductible, co-payment, and the estimate of the premium. Once you decide which plan you prefer, you can apply online. Every day, health insurance is a growing number of people with affordable health insurance Texas. In return, those who obtain health insurance rest easier know that their families and they are protected.

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