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08/20/13

  10:17:26 am, by MedBen5   , 217 words,  
Categories: News, Wellness, Health Care Reform

Poll: Higher Health Insurance Rates Okay For Smokers, Not For Overweight People

A Gallup poll released this week reports that 58% of Americans believe it’s okay to charge a higher health insurance rate to smokers, but only 41% agree overweight people should be charged more.

According to MedCity News, the reason that many Americans are okay with charging a higher rate to smokers is likely because so many American are overweight. Only 1 in 5 adults smoke.

This coming October, the Affordable Care Act will give states the option to charge higher rates to individuals that smoke, but does not allow them to charge higher rates to overweight individuals. Even so, the higher smoking rate is based on the honor system – and the policy cannot be canceled if later it was revealed that an individual is a smoker paying nonsmoker rates.

Many groups are outraged that carriers can charge more to smokers. Cigarette producers, the American Cancer Society and advocates for the poor and minorities believe that the extra charge singles many smokers out, and can actually produce an adverse effect on individuals purchasing policies.

“We don’t want to create more barriers to quitting,” said Dianne Phillips, policy director for the Cancer Action Network in Pennsylvania, a state that will permit insurers to charge higher rates to smokers. “Making it more expensive (might) put insurance coverage out of their reach.”

08/19/13

  03:20:01 pm, by MedBen5   , 254 words,  
Categories: News, Wellness

Idea Of Drugstore Clinics Treating Chronic Conditions Troubling, Says Doctor

Retail clinics at pharmacy and department store chains are a growing business – and it’s a trend that has some doctors concerned. While acknowledging their usefulness for minor ailments, the recent announcement by Walgreens that their clinics would diagnose and manage chronic conditions led Kevin Pho to question whether drugstore clinicians should double as primary care physicians:

“Consider the population most likely to have chronic conditions: Medicare patients. A New England Journal of Medicine study found that they already see an average of seven different physicians a year. Seeking care at a drugstore adds another provider, and further fragments care. According to Dr. Jeffrey Cain, president of the American Academy of Family Physicians, ‘it is more difficult to comprehensively manage a patient’s care if they are treated in multiple settings.’

“Indeed, I find managing diabetes or high blood pressure is far more effective after developing a relationship with patients and getting to know their individual preferences over time. Patients who go to retail clinics are more likely to see a rotating set of providers. And rather than personalize treatment, they follow standardized medical protocols to abide by the American Medical Association’s retail clinic policies.

“Poor sharing of medical information also fuels fragmentation. Electronic record systems of hospitals within blocks of each other often cannot speak to one another, let alone with one from a retail clinic. It’s unlikely that a drugstore provider can access a patient’s medical record, which would mean starting care from scratch.”

Read more at KevinMD.

  12:23:29 pm, by MedBen5   , 215 words,  
Categories: News, Prescription

10% Of Americans Have Used Another Person's Prescribed Drug

One in 10 Americans admits taking a prescription drug he or she has not been prescribed… and not everyone uses them for purely medicinal purposes, Reuters reports.

According to an ongoing Reuters/Ipsos poll, about six in ten Americans who used another person’s prescriptions did so for pain relief, while a fifth took them to sleep or to manage stress and anxiety. But a full one-quarter of respondents who used non-prescribed pills did so just to get high.

Also troubling is that gettng hold of another person’s drugs is a relatively simple matter. The poll indicated that about two-thirds of those who used other people’s prescribed drugs were given them by a family member, friend or acquaintance. Only about 14% were either taken without permission or purchased.

Dr. Wilson Compton, a division director at the National Institute on Drug Abuse, said dosage levels of prescription drugs are particular to an individual’s specific needs and warns against taking a medicine that has not been prescribed. “Simply because it’s a medicine that comes from a pharmacy does not mean it is without risk,” he said.

Prescription drug misuse has reached epidemic levels and it is now the second most abused category of drugs in the United States, after marijuana, according to a survey conducted for the U.S. government.

  11:57:22 am, by MedBen5   , 189 words,  
Categories: News, Health Care Reform

Exchange Participants Will See Higher Premiums, Says Ohio Dept. Of Insurance

Ohio individuals and businesses that purchase health insurance through the state’s exchange will see significant increases in premium costs, according to the Ohio Department of Insurance.

Based on rates submitted by insurance companies that will participate in Ohio’s health insurance marketplace, individuals will pay an average of 41% more and businesses will pay an average of 18% more in health insurance premiums when the Affordable Care Act takes effect next year.

The lack of competitiveness inherent in the exchanges has led to higher costs, said Lt. Gov. Mary Taylor: “That level of diversity is essentially outlawed under Obamacare, so Ohio’s rates and premiums are going up significantly, and going up more than in other states where prices were already high.”

Gary Claxton, vice president of Kaiser Family Foundation, countered that while costs will go up because insurers will have to cover more sick people and offer more benefits, subsidies and tax credits will keep rates down for many people.

WebMD reports that 12 companies will offer plans for the individual market in Ohio, while six companies will offer plans for small businesses. MedBen is not participating in the state’s exchange.

08/09/13

  05:14:00 pm, by MedBen5   , 473 words,  
Categories: Health Plan Management, Health Care Reform

Keep Health FSA Status “Excepted” To Avoid Bureaucratic Headaches

As we posted on the blog earlier this year, the Affordable Care Act (ACA) will no longer allow employers to offer “stand-alone” health reimbursement arrangements (HRAs) effective January 1, 2014. We also noted that the rule does not apply to health flexible spending accounts (FSAs) – a fact that has led some employers to consider shifting their future contributions from an HRA to a health FSA.

But a word to the wise: While simply moving from one type of stand-alone account to another may seem an expedient solution, it can create a whole new set of problems. Many federal group health plan rules that don’t otherwise pertain to an employee-funded health FSA may apply when the employer makes the contributions.

Presently, benefits under many health FSAs qualify as “excepted” and therefore will not be subject to a variety of federal regulations. These include certain mandates under the ACA, as well as HIPAA portability rules. In addition, an employer whose health FSA is excepted may be able to take advantage of a special limited COBRA obligation.

However, if an employer contributes to an employee’s health FSA, this could affect its “exempted benefit” status. So in order to avoid an additional layer of bureaucracy, the health FSA must satisfy two conditions:

Full story »

08/08/13

  10:46:03 am, by MedBen5   , 292 words,  
Categories: Wellness, Health Plan Management

Contact Lenses Work Best With Eye Doctor Partnership

On the Cleveland Clinic Health Hub, ophthalmologist Jeffrey Goshe, MD offers some “do’s” and “don’ts” for safe contact lens use.

DON’T sleep in your contacts. “Almost every study of contact lens-related infections found a strong link between the risk of infection and sleeping in contacts,” says Dr. Goshe.

DO wash your lenses and case properly. Never rinse your contacts with tap water or stick them in your mouth. Rather, clean them with contact lens solution, and clean and dry your case each day.

DON’T wear your lenses past their recommended use. “Some people say they wear them until they feel like they need to be changed,” says Dr. Goshe.“But that’s a sign that something bad has already started to happen.”

DO establish a relationship with an optometrist and stick with him or her. When you jump around from doctor to doctor, you won’t have continuity of care that’s necessary to track your eye health over time.

DON’T ignore the warning signs of infection. “If you are experiencing pain, redness, blurriness or light sensitivity, your eyes may be having a problem that requires medical attention,” Dr. Goshe says.

DO get an eye exam annually. People may not realize that the fit of their lenses can change throughout their lives, and an annual check-up can determine if adjustments should be made.

To help your employees stick to the contact lens “do’s", MedBen offers a group vision plan that promotes regular exams and early detection and treatment of visual impairments. We also provide the highest quality contact lenses at extremely affordable prices, as well as eyeglass franes and lenses.

For additional information about MedBen VisionPlus, contact Vice President of Sales & Marketing Brian Fargus at bfargus@medben.com.

  10:19:28 am, by MedBen5   , 181 words,  
Categories: News, Prescription, Wellness

Experimental Lung Drug Gets Support From FDA Advisory Panel

An advisory panel to the Food and Drug Administration has supported approval of the experimental drug riociguat to treat two types of pulmonary hypertension, Reuters reports. The agency typically follows such recommendations.

Produced by Bayer, riociguat is designed to treat chronic thromboembolic pulmonary hypertension, a rare disease typically caused by blood clots that restrict the flow of blood from the heart to the lungs. The drug would be used for patients who are not candidates for surgery to remove the clots.

It is also designed to treat pulmonary arterial hypertension, in which arteries of the lungs constrict, forcing the heart to work harder. Symptoms of both conditions are similar and include shortness of breath, fatigue, weakness and potential heart failure.

Dr. Stuart Rich, a panel member and professor of medicine at the University of Chicago Pritzker School of Medicine, said he was impressed with the apparent ability of a 1.5 milligram dose of the drug to increase cardiac output, or the volume of blood pumped by the heart per minute.

If approved, the drug would be sold under the brand name Adempas.

  10:00:28 am, by MedBen5   , 247 words,  
Categories: News, Wellness

Calling Some Tumors A "Cancer" Is A Misnomer, Panel Contends

Is the term “cancer” overused nowadays? Absolutely, a group of medical experts argue.

In a Journal of the American Medical Association editorial, an advisory panel to the National Cancer Institute states that only the lesions that typically kill if left untreated should be classified as cancer. In cases where the lesions pose no immediate danger, patients should be told they have an IDLE disorder, the authors write. IDLE is an acronym for “indolent lesions of epithelial origin,” which is also a synonym for their lazy behavior.

According to USA Today, the panel contends that overdiagnosis of cancer leads to overtreatment – an opinion shared by Dr. Otis W. Brawley, chief medical officer of the American Cancer Society.

“The truth be told, this is very much kind of like racial profiling,” Brawley said. “It looks like what killed somebody 160 years ago, but that doesn’t mean it is going to grow, spread and kill. It may very well be genomically programmed to stay just a 5-millimeter lesion for the next 70 years.”

In a separate interview with NPR, Brawley also noted that by renaming non-threatening lesions, it would help doctor and patient alike understand the true level of the risk.

Dr. David Penson, the senior author, advised that physicians closely monitor slow-growing tumors, rather than treating them as a lethal cancer. “Whether you are using a term like IDLE, indeterminate or indolent, if you take away the word ‘cancer,’ people get to see things a lot differently,” Penson said.

08/07/13

  05:32:46 pm, by MedBen5   , 225 words,  
Categories: News, Wellness, Health Plan Management

Bush's Heart Procedure Puts Spotlight On Stenting

As often happens when a public figure has a medical issue, its treatment undergoes media scrutiny. Such was the case yesterday when it was announced that former president George W. Bush received a stent to clear blocked arteries in his heart.

USA Today reports that stenting is fairly common, with about one million Americans a year getting the procedure. And because placing stents is a much less invasive procedure than open heart surgery, it’s a preferable – and less risky – option.

However, as we’ve previously noted on this blog, such procedures are sometimes unnecessary. A 2011 study found that one in eight U.S. patients who have non-emergency stenting procedures are likely to see more harm than good from the procedure.

A spokeman for Bush said that even though he not been experiencing symptoms commonly associated with a cardiac event, such as chest pain, the stent was necessary.

To encourage cost-effective, safe, and integrated care management for patients affected by cardiovascular disease, MedBen provides a clinically accountable solution: Comprehensive Cardiovascular Care Management. From review of patient medical status and alignment with medically necessary care to pre-negotiation for cost management opportunities, this program is a completely integrated resource that that promotes positive patient outcomes.

To learn more about Comprehensive Cardiovascular Care Management, contact MedBen Vice President of Sales & Marketing Brian Fargus at bfargus@medben.com.

  04:35:28 pm, by MedBen5   , 188 words,  
Categories: News, Health Care Reform

Congress Will Continue To Get Health Care Premium Contributions

Good news about health care reform! Well, good if you’re working on Capitol Hill, anyway…

A ruling by the Office of Personnel Management (OPM) approved the continuation of federal contributions to members of Congress and their staff when they buy insurance through health insurance exchanges, Reuters reports.

The decision, supported by President Obama, corrects a snafu that lawmakers overloked during the run-up to pass health care reform in 2010. To get more Republicans on board, Democrats approved an amendment by Sen. Charles Grassley (R-Ia.) that required Congress to use the same exchanges available to regular Americans.

A noble gesture, to be sure. Trouble is, no one bothered to add language that ensured Congress would continue to receive federal contributions toward their health plans, which would cover about 75% of the premium costs. That error led to concerns that higher health care costs would incite staff members to leave federal service – a crisis presumably thwarted by the OPM’s action.

Lawmakers and staff still must purchase plans on the exchanges for coverage that starts in January, OPM said, and they will not be eligible for tax credits to offset premium payments.

  04:10:21 pm, by MedBen5   , 147 words,  
Categories: News, Wellness

Taking Antioxidant Supplements Won't Help Women Conceive, Study Finds

Taking antioxidant supplements won’t improve the chances of women who are trying to get pregnant, a new review shows.

According to HealthDay News, an analysis of 28 clinic trials that included a total of 3,548 women attending fertility clinics found that inactive placebos or standard treatment, including folic acid, proved just as effective as antioxidant supplements

“There is no evidence in this review that suggests taking an antioxidant is beneficial for women who are trying to conceive,” lead researcher Marian Showell, who works in obstetrics and gynecology at the University of Auckland, in New Zealand, said in a Cochrane Library news release.

On the plus side, the trials that looked at harmful effects of antioxidant supplements suggested that taking then doesn’t appear to potentially endanger women. But the researchers did note that antioxidants and other dietary supplements are unregulated and there is limited evidence on their safety and effects.

08/06/13

  04:58:25 pm, by MedBen5   , 195 words,  
Categories: News, Health Care Reform

"Affordable" Care Act? Not So Much For Young Adults

John Goodman of the National Center for Policy Analysis notes that a little-noticed brief released last week, using data from the U.S. Department of Health & Human Services website, contained some newsworthy information:

“[T]he Government Accountability Office confirmed that states which prevent accurate underwriting of health-insurance premiums by age impose higher premiums on young people. […]

“ObamaCare imposes 3:1 age rating rules nationwide. But actuarial consensus is that the average 62-year old incurs five times the medical costs of the average 22-year old. It is not possible to insure against aging. If we live forty years past our 22nd birthday, the likelihood of our turning 62 is one hundred percent. So, forcing insurers to charge the same premium to people of different ages does not reduce any individual policyholder’s risk – which is the purpose of insurance.

“In no way is this ‘just’ or ‘fair.’ It artificially makes health insurance too expensive for young people to afford without subsidy. When coupled with an individual mandate to purchase insurance, this necessarily imposes a burden of excess taxation on society, because high taxes are necessary to fund the subsidies.”

Read more at the Health Policy Blog.

  04:26:25 pm, by MedBen5   , 187 words,  
Categories: News, Wellness

U.S. Lags Behind Other Nations In Obesity Prevention Efforts

While there seems to be a general consensus that our population as a whole could be in better shape, that reality hasn’t motivated the United States to step up obesity-prevention efforts on a national or local level, says a report from the Institute of Medicine.

HealthDay News reports that compared to other countries, America’s investment in the crisis “is too sporadic, presenting serious barriers to understanding the impact of interventions and the need for future investments,” according to a news release from the institute, which advises the federal government on health issues.

The institute report also said current national monitoring of these programs and policies lack adequate leadership, coordination, infrastructure, guidance, accountability and capacity. Moreover, local communities lack the necessary resources to evaluate the scope of obesity problems or develop and monitor obesity-prevention efforts.

“This report is most important,” said Dr. Mitchell Roslin, chief of obesity surgery at Lenox Hill Hospital in New York City. “Sadly, it will find that current efforts are not working, especially in economic-challenged areas.”

For obesity-prevention programs to have an impact, “more funding and tough choices will need to occur,” Roslin said.

08/05/13

  05:11:47 pm, by MedBen5   , 202 words,  
Categories: News, Health Care Reform

Mandate Delay Allows Employers To Invest More In Future

The delay in the Affordable Care Act’s employer mandate has emboldened some small businesses to consider expansion:

“Nearly a quarter, or 24.4%, of small-business owners affected by the delay said they will invest in equipment or facilities with money that would otherwise have gone into complying with the health-care law, according to July’s Wall Street Journal/Vistage Small Business CEO Survey. An additional 16% of small companies plan to hire new employees, 15% expect to provide raises or other benefits for their workers and 3% are planning to lower prices to gain a competitive edge.

“The announcement [of the delay] came as a relief to small-business owners like Monte Wood, who runs an event-management service outside of Portland, Ore. Although his company, Opus Events Agency LLC, offers health benefits to its 90 employees, bringing the firm into compliance with the health-care law would cost an estimated $100,000 because the law requires more robust coverage.

“‘We’ve made a couple of key hires with that money that we would have delayed until future years,’ said Mr. Wood, who added that he is happy to keep his company growing, despite the lingering health-care law, whose employer mandate provisions were pushed back until at least January 2015.”

Read more at WSJ.com.

  04:49:14 pm, by MedBen5   , 229 words,  
Categories: News, Prescription

TV Commercials for Cholesterol Drugs Many Contribute To Overprescribing

Behold the awesome power of TV advertising: A new study found that adults exposed to commercials for cholesterol-lowering pills were 16-20% more likely to be diagnosed with high cholesterol and 16-22% more likely to be using a statin.

And that’s not all. According to Pharmalot, the likelihood of having such a diagnosis and increased use of cholesterol-lowering pill was driven almost exclusively by men and women who were at low risk for having a cardiac event. Meanwhile, those at a high risk of heart disease and exposed to TV ads for stains were not more likely to be taking one of the pills.

The odds of using a statin were higher for men exposed to 75 to 150 ads and 150 or more ads – 21% and 22%, respectively – than those with low exposure to ads. For women, the odds of a diagnosis of high cholesterol were 17% higher for those exposed to 40 to 74 statin ads and 20% higher for those exposed to either 75 to 149 ads or 150-plus ads. The associations for both genders were driven by individuals at low risk of developing cardiac disease in the future.

“The results raise questions about the extent to which [direct-to-consumer] ads may promote over-diagnosis and over-treatment for populations where risks (of statin use) may outweigh potential benefits,” the authors conclude. They based their findings on participant exposure to statin ads between 2001 and 2007 on national, cable and local television stations.

08/02/13

  05:10:36 pm, by MedBen5   , 204 words,  
Categories: News, Wellness

Better Health Goals Helped By Strong Patient-Doctor Partnership

Americans say they’re more concerned about living healthy lifestyles, particularly in regard to their weight and diet, according to a new survey.

USA Today reports that the survey, conducted for the Pharmaceutical Research and Manufacturers of America (PhRMA), found 58% say they’re paying more attention to personal health issues than in the past, and eating a healthy diet (57%), maintaining a healthy weight (54%) and reducing stress (45%) are their top concerns.

“What we’re really measuring is a feeling here, rather than a calculated prediction,” says Geoffrey Garin, president of Hart Research Associates, which conducted the survey for PhRMA. “The feeling is, even if my health isn’t great today, I have the potential to turn all that around.”

At MedBen, we believe that a key to changing health for the better is partnering with a primary care physician to track conditions and provide care and counsel when needed. That’s why our Worksite Wellness program emphasizes the doctor-patient relationaship.

Additionally, MedBen uses claims data to detect important health patterns. With useful progress reports and online services that help members keep on top of their testing.

To learn more about MedBen Worksite Wellness, visit medben.com or contact Vice President of Sales & Marketing Brian Fargus at bfargus@medben.com.

  05:05:02 pm, by MedBen5   , 246 words,  
Categories: News, Prescription, Health Care Reform

ACA Hospital Drug Discount Resulting In Higher Cancer Care Costs

As often seems to happen with government programs, good intentions sometime carry costly consequences. To wit:

“The Affordable Care Act expands a program called 340B, which siphons money from drug makers and insurers to subsidize certain hospitals. The program has been expanded as a way to offset some of the cuts that the law imposes on hospitals. One significant side effect: 340B is increasing the cost of cancer care – and harming its quality.

“Under 340B, eligible hospitals are allowed to buy drugs from drug companies at forced discounts of 25% to 50%. The hospitals can then bill government and private insurers for the full cost of the drugs, pocketing the spread. The arrangement gives 340B-qualified hospitals a big incentive to search for patients and prescribe lots of drugs. The costlier the drugs, the bigger the spread. So expensive cancer drugs are especially appealing.

“To goose the windfall, eligible hospitals are buying private oncology practices so they can book more of the expensive cancer drug purchases at the discount rates. More than 400 oncology practices have been acquired by hospitals since ObamaCare passed. […] In the process, treatment of the doctor’s patients is moved from an office setting to a hospital outpatient department.

“If these trends continue, the majority of cancer care will soon be delivered by hospitals. When the practice of oncology shifts to outpatient hospital clinics, the care is often less comfortable and convenient for cancer patients – and more costly.”

Read more at The Wall Street Journal.

  04:58:39 pm, by MedBen5   , 187 words,  
Categories: News, Prescription, Wellness

Acetaminophen Linked To Serious Skin Disorders, Warns FDA

The Food and Drug Administration has announced it will now place warnings on the popular pain reliever acetaminophen, better known as Tylenol.

NPR reports that the goal of the agency’s action is not to make people nervous about using the drug, but rather to make the public aware that its use may cause skin disorders. This may be anything from a simple skin rash to the more serious Stevens-Johnson syndrome.

Johnson and Johnson, the manufacturer of Tylenol, said, “The FDA’s information should be viewed within the context of the millions who have benefited from acetaminophen. The skin conditions cited by the agency, including Steven-Johnson Syndrome, are extremely rare, the causes of which remain the subject of debate.”

According to The Wall Street Journal, the FDA has reported 107 cases of serious skin conditions that were possibly related to acetaminophen, from the years 1969 to 2012. Of their research they found 12 deaths. Johnson and Johnson stated they will work with the FDA with the label changes and warning.

The FDA already places warnings about the risk of these disorders on several over-the counter-drugs including Advil, Motrin, Aleve and Midol.

08/01/13

  04:55:37 pm, by MedBen5   , 212 words,  
Categories: News, Health Care Reform

CBO Estimates Employer Mandate Delay Will Cost $12 Billion

The Obama administration’s decision to postpone implementation of the employer mandate until 2015 has bumped the cost of the Affordable Care Act up by $12 billion, based on a new estimate by the Congressional Budget Office. Reuters reports that the delay will also leave a million fewer Americans with employer-sponsored health insurance.

“Of those who would otherwise have obtained employment-based coverage, roughly half will be uninsured (in 2014),” CBO said in a July 30 letter to Representative Paul Ryan, Republican chairman of the House of Representatives Budget Committee. The agency added that the additional cost will be reflected in insurance-coverage provisions over the next decade.

In a separate piece on the CBO report, Employee Benefits News reports that the agency noted that even with the mandate’s delay, the health law is projected to reduce the deficit because of lower Medicare spending and other provisions that offset the cost of new coverage.

Meanwhile, a National Association of Health Underwriters spokeswoman says that while there are “short-term financial repercussions” to the employer mandate delay, “we believe this delay was necessary to continue the economic upturn we have seen in the past few months and ensure that American businesses will be able to provide their employees with the health insurance they want and need in the long term.”

  04:46:54 pm, by MedBen5   , 213 words,  
Categories: News, Wellness

E-cigarettes: Safe Smoking Alternative Or New Bad Habit?

What started as an aid to kick the cigarette habit has fast evolved into a trendy accessory that appeals to youth and teens as well as adult smokers. But are electronic cigarettes as harmless as their makers would have us believe?

“E-cigarettes”, while designed to look like the real thing, hold a battery that heats a liquid solution into a vapor. Puff on the device as you would a regular cigarette, and the device heats the liquid and changes it to a nicotine-filled vapor.

However, unlike chewing tobacco and traditional cigarettes, e-cigarettes are not regulated by the Food and Drug Administration. While marketed as a healthy alternative to smoking, the FDA and the American Lung Association do not support such claims.

According to the Licking County Health Department, a recent analysis of ingredients in the e-cigarette cartridge found levels of cancer-causing toxins. Also, the cartridges examined were inconsistent, with some nicotine found even in a cartridge marked as non-nicotine.

Eli Alelov, CEO of LOGIC Technology, maker of LOGIC e-cigarettes, told ABC News that e-cigarettes are not a health product, even though they contain no tar or tobacco, or produce no second-hand smoke. As for their usefulness as a smoking cessation tool, “We leave that up to the public: they can use their logic.”

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