четверг, 25 ноября 2010 г.

Illinois Highlights Young Adult Dependent Health Insurance Option

The Illinois Department of Insurance highlighted the new Young Adult Dependent Coverage Law, effective June 1st, that allows dependent young adults up to age 26—and age 30 for military veterans—to be added to a parent’s health insurance coverage.
“Young adults, working through college or even with steady employment, often lack access to health insurance. This coverage option offers families a fair alternative, ultimately improving the long-term health and financial security of our young adults,” said Michael T. McRaith, Director of the Illinois Department of Insurance.
The new law permits unmarried young adults to remain on or be added to their parents’ health insurance plans up to age 26, or up to age 30 for military veterans.
Eligibility
Health insurance policies and HMO contracts that offer dependent coverage must include unmarried young adults up to age 26, or age 30 for military veterans, and regardless of the young adult’s enrollment in an educational institution.
Enrollment
All policies must offer an initial 90-day enrollment period to eligible dependents. New policies issued after June 1, 2009, must provide the initial 90-day enrollment period immediately upon issuance or delivery. For existing policies, the initial enrollment period will vary depending on the date the policy is issued, amended or renewed.
Pre-existing conditions
For group policies, dependents added during the initial 90-day enrollment, annual enrollment, or special enrollment periods may not be declined coverage due to health status.
For parents seeking to purchase an individual policy, the parent must first meet the insurance company’s underwriting guidelines in order to receive an offer of coverage. If the individual policy provides dependent coverage, eligible dependents must be offered coverage regardless of health status.

четверг, 18 ноября 2010 г.

Study takes first steps to improve the quality of health care for chronically ill children

Children with chronic health conditions such as cystic fibrosis, type 1 diabetes, sickle cell diseases and cerebral palsy represent less than two percent of the population but can consume more than 50 percent of resources at children's hospitals throughout the country. Coordinating care for these children has historically been difficult because hospitals have varying methods to identify them in their systems. In a new study led by John Neff, MD, of Seattle Children's Research Institute, researchers developed a unique method to identify children with serious lifelong chronic conditions using hospital discharge data that will enable children's hospitals to improve the quality of care for these patients and reduce costs. The study, "Identifying Children with Lifelong Chronic Conditions for Care Coordination Using Hospital Discharge Data," published online November 15 in Academic Pediatrics. (For a full copy of the study, please contact the media contact listed below or Academic Pediatrics.) "In the long run, if we can identify these children, their cost patterns and needs, hospitals can then work with the state and health plans to provide support for the care coordination that they need. This should result in better quality of care and hopefully lower costs for these children," said Dr. Neff, clinical director at The Center for Children with Special Needs at Seattle Children's Hospital.
"One of the big barriers in the past is that hospitals have not known who their patient population is and have not been able to systematically identify them," added Neff. "Categorizing children with complex or multiple chronic conditions is particularly difficult because of the general infrequency and variable nature of their conditions. Because hospitals haven't had a reliable method to identify these patients, they haven't been able to effectively coordinate their care or know the cost implications to their own hospital."
Findings suggest that children with lifelong chronic conditions require a disproportionate share of resources in children's hospitals and when measured over several years are likely to accrue a high percentage of health costs. The study reviewed one hospital's records from 2007; these children represented 41.1 percent of Seattle Children's Hospital total patients and 71.4 percent of patient days.
Neff and co-investigators combined the use of hospital discharge data from Seattle Children's Hospital and its primary care clinic, Odessa Brown Children's Clinic (OBCC) over seven years from 2001 through 2007. They selected patients whose primary care occurred at OBCC and hospitalization and emergency department care were likely to be at Children's. Using Clinical Risk Groups (CRGs) software to analyze the data - CRGs is a risk adjustment method that has been used with health plan data to identify and stratify individuals into condition and severity groups, but has not previously been used to analyze patients in hospital discharge data - patient information was classified according to complexity of diseases and primary chronic conditions. That data was merged with hospital discharge data to identify what hospital services those patients used.
As a result of this data and methodology, Seattle Children's Hospital is launching a study that will examine how to improve the coordination of care for patients with lifelong chronic conditions, decrease their need for hospitalization and improve their quality of life. The study will follow approximately 600 of these medically complex patients for two years in a clinic that will work with patients' primary care providers to develop care plans and other interventions to improve their care and reduce the need for hospitalization.
"This will be the most comprehensive study of its kind," said Mark Del Beccaro, MD, pediatrician-in-chief at Seattle Children's Hospital. "If we succeed in showing we can improve care and lower costs for the patients and their families, this will also have tremendous implications nationally as these most complex and fragile of patients utilize a significant portion of health care expenditures in every community and state."