Wisconsin Health Insurance Exchange Open Enrollment

The open enrollment period for the Health Insurance Exchange in Wisconsin will be October 1, 2013 to March 31, 2014.  This is the period Wisconsin citizens can purchase the new health insurance plans that meet the requirements (includes essential health benefits) of the Affordable Care Act.

Coverage would begin January 1, 2014.  The sites (HealthCare.gov) will facilitate the application of available subsidies, and allow the person to enroll without fear of a pre-existing medical condition.

Home Care Path encourages readers to watch this issue as it unfolds in Wisconsin.

                                                     WATCH  FOR  US

 

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 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Wisconsin 2014 Medicaid Gap Health Insurance Exchange

In January 2014 the Federal Affordable Care Act regulates the minimum Medicaid income eligibility level across all the United States.  Any individual under the age of 65 with an income total below one hundred and thirty three percent of the Federal Poverty Level will be eligible for the Medicaid benefit.

This means an individual earning less than 15, 282.00 annual income will qualify for Medicaid without the need for a waiver.  This is contingent upon your State of residence participating in the Federal Medicaid guidelines.  Leaders in the State of Wisconsin have not developed the infrastructure needed to comply with the approaching implementation of Federal Medicaid regulations.

What this currently means in Wisconsin is an individual with an annual income level of 100% of the listed Federal Poverty Level 11, 490.00 would be eligible for Medicaid. 

An individual with an annual income between 101 % and 133% of the listed Federal Poverty Level 11, 491.00 to 15, 282.00 would be sent to see a Health Insurance Exchange Navigator to pay for a health plan. 

So, the defined Medicaid gap in the State of Wisconsin appears to be those with an annual income of 101 percent (11, 491.00) to 133 percent (15, 282.00).  Under Federal Law this population is eligible for Medicaid.  But in the State of Wisconsin this population will be denied Medicaid and instructed to purchase an insurance plan on the Wisconsin Health Insurance Exchange.

For an individual this translates to 3792.00 annually, or about 316.00 per month of household income.  This appears to be money that Wisconsin house holds at this income level would need the most.

Interestingly the Federal mandate requiring individuals to have health insurance does not apply to the Wisconsin people who's annual income falls between the 101 percent to 133 percent.  If you qualify for Medicaid at the federal level you cannot be forced to buy insurance in a state that opts out of Medicaid expansion.

This identifies a population (Wisconsin Medicaid Gap) that will have to be served by community hospitals but may be without a valid pay source.  Home Care Path encourages readers to follow this Health Insurance Exchange implementation as it continues in Wisconsin.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Wisconsin Health Insurance Exchange and Plan Comparison

The Health Insurance Exchange Marketplace is about comparing plans to determine the best  purchasing deal for your family.  Individuals who get insurance through an employer can still purchase a plan on the Health Insurance Exchange. 

Find out if you qualify for subsidies.  This could involve a premium tax credit which would lower your monthly premium.  Qualifying for cost sharing subsidies can reduce your deductibles and copays.

 If you are enrolled in an employers plan now, is the coverage considered adequate and affordable under the law.   If the health insurance you now purchase through an employer is considered adequate and affordable you would not be eligible for the subsidies that reduce the cost of the exchange plan.

By comparing your existing plan with the plans on the exchange marketplace you will have a comprehensive perspective as to the value of your eligible health insurance benefits.  Moving in to a health insurance product that delivers a better over all fit for your families situation  is getting easier.

Home Care Path encourages Wisconsin families to follow the implementation of the Health Insurance Exchange over the next few months.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Molina Health Care Inc NYSE MOH 34.27 Take Off Wisconsin

Molina Health Care Inc NYSE MOH 34.27 is the one to watch.  Molina has a long history (founded in 1980) of insuring low income programs.  Last year Molina Health Care generated about 70.7 million dollars of premium revenue in Wisconsin.

Molina applies its systems to generate profit beyond what the standard State contract has agreed to pay the managed care organization.  Participating in Medicaid and Medicare advantage plan markets, and now on the Wisconsin Health Insurance Exchange.

Molina takes an expansive approach to managed care by developing and operating internal design to create revenue flow.  For example, Molina has begun developing and opening  primary care clinics in the States it serves.  Staffing care provision within the utilization management arm of the health plans explanation of benefits can reduce undesired variables in the over all systems flow.

From the outside looking in, one would suggest Molina Health Care Incorporated delivers a service with an expansive quality that translates to bringing more care under management.  Having more care under management stabilizes the margin (profit margin) between pay source and medical provider.

This system stability enforces the community perception that the delivery of the needed medical service will be available when it is needed.  Home Care Path wishes Molina Health Care Inc another great year of conducting business in the State of Wisconsin.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Biggest Financial Threat Wisconsin Hospitals Face

The impact of an aging population, specifically the chronic disease processes present the single biggest threat to hospital finance.  Hospitals nation wide are being encouraged by Medicare policy to reduce inpatient readmission rates through closer attention to care transitions.

People are living longer.  The chronic disease processes accompany advanced age.  Research indicates chronic disease responds better to ongoing management than occasional treatment.  Ongoing management involves the sharing of a patient's needs between providers.  Care transitions is the sharing of a patient's needs between providers. 

Hospitals are being challenged to add value to their care delivery and documentation process by linking with community based organizations (www.homecarepath.com) that give secure participation in the varied transitions present with an inpatient discharge.  Hospitals will tighten up and strengthen communication with community based organizations to manage potential loss related to Medicare cost containment policy.

Attaching a valid pay source to Wisconsin individuals who's income ranges from above 100 percent to 200 percent of the Federal Poverty Level may include a larger investment in community (labor) coordination.  The County determination process may indicate through the functional eligibility screen the person is eligible, but financial (over assets)  income can send the individual to the health insurance exchange navigator for help.

Connecting more Wisconsin users of the health system to a valid pay source helps medical providers better manage the undesired symptoms that accompany the chronic disease processes. Home Care Path encourages readers to watch this issue as it unfolds over the next few months.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Debt Collection Offices Interested in Wisconsin Health Insurance Exchange

Debt collection offices have been interested in the Wisconsin Health Insurance Exchange Marketplace because of the phrase "reasonable efforts".   In compliance with the Internal Revenue Service 501 (r) non-profit hospital's must make reasonable efforts to see if a patient is eligible for financial assistance before processing a debt through a collection agency.

The non-profit hospital can still sue a patient for an amount owed, but only after thoroughly demonstrating the patient is not eligible for financial assistance.  The hospital must provide for the patient 120 days, along with the forms and help if needed to procure available funds for the medical bill. 

The claims department will be asked to demonstrate how all reasonable efforts have been taken to ensure the individual did not qualify for financial assistance prior to the hospital employing a collection agency.  So, simply posting a notice in the waiting room would not be sufficient under this regulation. 

Now, more than ever it is in the hospital's best interest to work with community organizations (www.homecarepath.com) that can assist families with transitioning from private money to publicly funded programs.  Assisting community members to access service through organizations authorized to process public funded program determinations.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life

Wisconsin Medicaid and the Affordable Care Act

In January 2014 the Federal Affordable Care Act regulates the minimum Medicaid income eligibility level across all the United States.  Any individual under the age of 65 with an income total below one hundred and thirty three percent of the Federal Poverty Level will be eligible for the Medicaid benefit.

This means an individual earning less than 15, 282.00 annual income will qualify for Medicaid without the need for a waiver.  Implementing the new criteria under Federal law can take time and effort on the infrastructure within the individual States.

Will Wisconsin have the community processes in place to insure eligible individuals are receiving access to this Medicaid benefit.  Shaping County services to afford Wisconsin an opportunity to comply with the Federal law is in practice.

Realizing how the Medicaid benefit is transitioned from the County office in to the Wisconsin Partnership Program, Family Care Program and IRIS Program for care management demonstrates the economic exchange.  Medicaid dollars pay employees in the County and the Wisconsin health programs, who then spend the money in the community on their own family needs.

This bolsters the individual States economic activity.  Understanding how the Medicaid process contributes to the communities economic activity can improve participation in ongoing planning.  Home Care Path encourages readers to follow this health care issue as it continues to unfold.

 You are cordially invited to download your free PATH ALONG app today

http://appsmakerstore.com/appim/j6kcdet8xvwk4s


 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life