A new survey shows that consumers aren’t satisfied with the level of customer service they receive from their health insurance plans. In fact, the industry ranked the lowest of any industry measured in this survey. Additionally, other studies have found that consumers often find health insurance jargon confusing, which makes it challenging for consumers to select a policy that best meets their needs, to know what is covered and what isn’t, and to understand their rights as consumers if disputes arise. While overshadowed by some of the other major reforms included in the law, the Affordable Care Act contains some exciting reforms for consumers in this area, including making available access to clear, plain language information about their insurance plans. The U.S. Department of Health and Human Services issued final regulations on February 9^th requiring an easy-to-understand Summary of Benefits and Coverage and a uniform glossary of terms. These new tools will be available to consumers on September 23, 2012. More information is available here and here.

Georgia lags other states in progress towards establishing a health insurance exchange as authorized by the Affordable Care Act (ACA), despite the fact that Georgia stands to experience one of the largest drops in the uninsured as a result of the ACA reforms, according to an analysis by the Urban Institute. At our Health Care Unscrambled breakfast in January, a panel of Georgia policymakers discussed prospects for a health insurance exchange and indicated that exchange legislation would not move through the General Assembly in 2012. Nevertheless, Representative Pat Gardner has introduced HB 801 to establish a Georgia health insurance marketplace, or exchange. Please thank Representative Gardner for taking a stand on this important issue! For recent news articles on health insurance exchanges and Georgia, click here and here.

Georgians for a Healthy Future is monitoring developments at the federal level that will impact benefits and consumer protections for new individual and small group health plans in Georgia beginning in 2014. In December, the Center for Consumer Information and Insurance Oversight (CCIIO), the division of the U.S. Department of Health and Human Services charged with implementing the provisions of the Affordable Care Act (ACA) related to private health insurance, released a bulletin on the essential health benefits (EHB) that all new plans will need to include.

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Report spotlights ways to enhance health care for GA children

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New study sponsored by Voices for Georgia’s Children, Georgians for a Healthy Future

ATLANTA, Ga. – Two of Georgia’s leading health care advocacy organizations issued a report saying the state could significantly expand medical care to more than 200,000 uninsured children with administrative practices, coverage policies and technologies already being used in other states. (more…)

Just in time for the 2012 Georgia Legislative Session, Georgians for a Healthy Future has a new resource for advocates: A Consumer Health Advocate’s Guide to the 2012 Georgia Legislative Session: Information for Action. Our legislative guide walks you through the legislative process; identifies the committees with jurisdiction over health care issues, which legislators sit on them, and how to contact them; provides contact information for a range of health care organizations, associations, and advocacy groups as well as key health care reporters; and provides other tools to help you be a strong and effective advocate. The guide is available here.

Georgians for a Healthy Future is a non-profit, non-partisan health policy and advocacy organization that addresses health care issues through a consumer lens. Our 2012 policy priorities were developed with broad input from community stakeholders. We will work collaboratively with our community partners to advance these priorities.

Maximize opportunities and benefits presented by the Affordable Care Act for Georgia health care consumers. Georgians for a Healthy Future will continue to monitor legislation and agency-level activity to implement the ACA and support Georgia laws and regulations that establish structures and systems that maximize benefits for consumers in this process.

Preserve consumer protections for Georgians in private health insurance plans. State laws and regulations provide a basic level of protections and benefits to consumers who buy private health insurance plans. These protections ensure that consumers who purchase these plans obtain meaningful health insurance that covers essential medical services in the event they get sick. Georgians for a Healthy Future will continue to support efforts to preserve and strengthen consumer protections and oppose legislation that would place consumer protections at risk.

Modernize Medicaid and PeachCare by utilizing best practices to improve coverage rates, access to care, and health outcomes. The Medicaid and PeachCare for Kids programs provide health insurance for our state’s most vulnerable citizens. The Georgia Department of Community Health is currently weighing options to redesign these programs. Georgians for a Healthy Future will monitor this process as well as legislative activity and will support policy changes that facilitate continuous coverage and enrollment, preserve and expand access to care, and improve health outcomes. Georgians for a Healthy Future will oppose policy changes that restrict access to vital health care services for Medicaid and PeachCare beneficiaries.

Establish a consumer-friendly health insurance exchange. A well-designed health insurance exchange can add transparency to the health insurance marketplace, spur competition and choice, help make insurance more affordable and available, and give consumers the information they need to make optimal purchasing decisions. Georgians for a Healthy Future will support a health insurance exchange compatible with the American Health Benefit Exchanges (AHBE) authorized by the Affordable Care Act that provides consumers with the appropriate information, tools, and navigation assistance to make optimal purchasing decisions and a governance structure that can effectively and transparently oversee the exchange without conflicts of interest.

Restore child-only health insurance plans to the private health insurance market. Due to a recent change in federal law, insurance carriers in the individual market can no longer deny coverage to a child with a pre-existing condition. Even though insurers may still medically underwrite these policies, insurance carriers in Georgia stopped issuing these policies altogether. Georgians for a Healthy Future will support legislation to restore these plans to Georgia’s health insurance marketplace.

Strengthen Georgia’s public health system. Our public health system plays a critical role by vaccinating children, monitoring and preventing epidemics, ensuring safe food and water, and providing both clinical and community-based preventive services. Despite an increasing need for services, Georgia’s per capita public health spending is among the lowest in the nation. The establishment in 2011 of the new Department of Public Health presents an opportunity to rebuild our public health infrastructure and to place renewed focus on the critical role of public health. Georgians for a Healthy Future supports a robust, adequately funded public health system to meet the critical needs of our state.

Increase the tobacco tax. The current funding environment demands evidence-based policy solutions that both advance the health of our state and generate needed revenue. In recent years, even the most basic, vital, and cost-effective programs have been subject to deep budget cuts. Georgians for a Healthy Future opposes further cuts to these vital programs and supports budget solutions such as a substantial increase in the state’s tobacco tax. Tobacco taxes are a proven strategy with the dual benefit of bringing in additional state revenue and increasing the health of Georgians by reducing adult and youth smoking.

The Health Insurance Exchange Advisory Committee issued its final report this week, calling for the development of a small business health insurance marketplace outside the context of the exchange framework authorized by the Affordable Care Act but failing to explicitly recommend the establishment of a health insurance exchange for individual consumers. Georgians for a Healthy Future’s Executive Director, a member of the committee, wrote a minority report calling for Georgia to take advantage of the opportunity to cover the uninsured and improve our health insurance marketplace by building a Georgia exchange in 2012. You can read the committee report, the minority report, and all other supplemental materials here.

Our Executive Director, Cindy Zeldin, was named by the National Association of Insurance Commissioners (NAIC) as one of 28 consumer liaison representatives from across the country for 2012. The NAIC/Consumer Liaison Committee assists the NAIC in its mission to support state insurance regulation by providing consumer views on insurance regulatory issues and provides a forum for ongoing dialogue between NAIC Members and Consumer Representatives. This appointment comes at a critical time, as the NAIC has been delegated a central role in the implementation of the Affordable Care Act by establishing standards, definitions, and consulting on model regulations—policy choices that will have a big impact on health care consumers here in Georgia and around the country. The NAIC news release is available here.

On Wednesday November 30, Georgians for a Healthy Future hosted the last “Building a Healthy Georgia” event for 2011 in Savannah. Building a Healthy Georgia: Widening the Safety Net and Ensuring Greater Access to Carebrought together medical professionals, safety net providers, students/academia, etc. to examine how people who currently use the safety net and are uninsured will have new options under the ACA, what that will look like and how to empower communities to take up the cause and make upcoming changes to Georgia’s healthcare infrastructure work for consumers across the state.  Our panelists included:

• Nicole Oretsky, PhD, Assistant Professor, SSU Urban Studies & Planning
• Paula Reynolds, MD, MPH, Executive Director, Chatham County Safety Net Planning Council (CCSNPC)
• Cindy Zeldin, MA, Executive Director, Georgians for a Healthy Future
• Robert Bush, JD, Senior Staff Attorney, Elder Law Project, Georgia Legal Services Program

Professor Oretsky started off with an in-depth look at the societal and economic factors that have gotten us to our current state of health care.  Then Dr. Reynolds went into great detail explaining how the safety net effectively operates in the region but also pointed out ways it could and should be bolstered to serve more individuals, particularly with the upcoming Medicaid expansion and health care reform in general.  GHF Executive Director Cindy Zeldin then transitioned the conversation to the specifics of the Affordable Care Act with particular emphasis on how it will affect those who access the safety net.  Given the contention surrounding the new health law, we wrapped up the conversation with Robert Bush talking about the constitutionality of the law, the challenges it faces in the courts and hypothetical outcomes. This is backed up by A licensed/certified court reporter from Naegeli in Boise that has the knowledge and skills to serve in a number of capacities within the profession, as the majority of court reporter programs offer a comprehensive education in court reporting, from deposition/courtroom procedures and computer-aided transcription to closed captioning and real-time reporting.

All in all, the conversation took both an in-depth look and an aerial view of the health care issues that not only affect the Coastal region, but the entire state, and in fact the country.  To view the power point slides from the event, click here.  To view the pictures from the event, click here.

This event marks the end of the Building a Healthy Georgia campaign for 2011, but we know there is more work to do and look forward to continuing to build with you in 2012.  Check back to our event page after the New Year to get involved. 

Advocacy may seem overwhelming, but it’s a lot easier–and can have a bigger impact–than you might imagine.  You already have the knowledge, passion, and commitment to be a successful and effective health care advocate.  All you need are the right tools.  Today we are releasing our latest issue brief: Advocacy Demystified: Tools and Strategies for Effective Consumer Health Advocacy, to arm you with the tools you need to advocate for health care change and empower you to start making a difference in your communities. This is a tool meant for sharing so feel free to send to any individuals or organizations who you think would find it useful. Click here to access the issue brief.