As consumers navigate the new landscape of increasingly narrow networks and high deductibles, they need the right tools and information to choose a health insurance plan that best fits their medical needs and their household budgets. Provider directories are the primary tool available to consumers to determine whether the plan they are selecting has a narrow or broad network and to identify which providers are in their plan. As such, these directories should be accurate, up-to-date, and should truly function as a tool. Despite the important role directories play, they are notorious for being rife with errors and for lacking the functionality to help consumers make optimal choices in the market. By drawing upon model legislation from the National Association of Insurance Commissioners (NAIC) and best practices from other states, Georgia can take steps to improve directories. This policy brief:

– explains the role provider directories play as a tool for consumer decision-making

– describes current provider directory provision in Georgia

– describes common problems with provider directories

– outlines recent policy activity around provider directories

– highlights other state examples of provider directory improvements

Download the brief here.

When consumers enroll in a health insurance plan, they gain access to a network of medical providers. This network must be adequate to ensure that consumers enrolled in the plan have reasonable access to all covered benefits. While network adequacy is not a new concept, it has a new urgency in light of the sheer number of newly insured Georgians enrolled in individual plans; the move on the part of insurance companies toward narrow networks and tiered networks, which limit the number of providers plan enrollees can access; new federal standards; and a new model act from the National Association of Insurance Commissioners (NAIC) that provides updated guidance for states. Georgia health care consumers need and deserve clear standards and protections that ensure their coverage translates to access to care without financial hardship. Georgians for a Healthy Future released today at a public policy form held in Atlanta a new policy brief on network adequacy. This policy brief:

– explains the importance of network adequacy for access to care

– outlines current network adequacy standards in Georgia

– summarizes recent policy activity around network adequacy

– sets forth consumer-oriented principles for network adequacy standards in Georgia

– provides policy recommendations to achieve network adequacy in Georgia.

Download the brief here. 

Week 3

Week three was a very exciting one for Georgia health care consumers! The introduction of SB 302 signaled true movement on consumer priorities, like insurer provider directory transparency. Check below to see what happened and how you can get involved.

If you’re looking for a list of all the bills we’re tracking and their status in the legislature, click here.

What Happened This Week

Improving Provider Directories 

We are very excited to share with you that last week Senator P.K. Martin (R-9th)  introduced legislation to address provider directory inaccuracies and usability limitations. Senators Burke (R-11th), Watson (R-1st), Parent (D-42nd), and Unterman (R-45th) are also co-sponsors of SB 302. The bill has been assigned to the Senate Insurance Committee and we expect it will receive a hearing within the next week. Read SB 302.

Please join us in thanking Sen. Martin for introducing such an important piece of legislation! You can email him here or call him at 404-656-3933.

The National Association of Insurance Commissioners approved an updated network adequacy model act at its Fall meeting in November. The model act is a framework that states can adopt to help ensure that consumers have meaningful and timely access to the health services in their benefit package. With more insurance companies offering narrow network plans, these basic standards are an important consumer protection, and GHF encourages state policymakers to consider tailoring and adopting the model act in Georgia. We’ll be announcing our legislative priorities for 2016 soon, and this issue will be on the list!

Georgians for a Healthy Future hit the road again recently, this time to Savannah! Along with the Georgia Budget & Policy Institute and the Chatham County Safety Net Planning Council, we hosted Coverage and Access to Care: A Local Focus on Savannah.  The event provided the opportunity to have a roundtable discussion about the health and health care needs of people in Georgia’s coastal region. We were joined by representatives from local hospitals, insurers, non-profit organizations, enrollment assisters, and interested Savannah residents for the gathering.

Guided by the chart book, the group had a dynamic discussion about how we could make Georgia’s Medicaid program work better for those who are already enrolled, as well as the benefits of expanding it to cover Georgians in the coverage gap. It was clear the attendees were eager to talk about improving coverage and access to care by closing Georgia’s coverage gap.

Our conversation also touched on the open enrollment period and the needs of consumers enrolling through the health insurance Marketplace (aka healthcare.gov). GHF highlighted our new toolkit and Health Insurance User’s Manual as tools to help Savannah-area consumers get enrolled, stay enrolled, and effectively use their coverage.

This roundtable event gave us the opportunity to learn from the Savannah stakeholders, meet new partners, and identify areas where we can work together to improve Georgia’s health care system.  We look forward to returning to Savannah soon to build on this visit.

Dear Friends,

It’s an exciting time in health advocacy. The nation’s uninsured rate has plummeted over the past two years as Americans who were left out of our health system for too long have finally been invited in. Here in Georgia, half a million people gained coverage through the health insurance marketplace last year and we are working hard to raise awareness during this current open enrollment period.

But the pathway to coverage remains blocked for our lowest-income citizens here in Georgia because our state policymakers have not yet taken action to expand Medicaid. Approximately 300,000 Georgians are stuck in a coverage gap: they don’t qualify for Medicaid today and can’t access tax credits to buy private health insurance because their income is too low. Many of these Georgians are working in jobs that don’t come with health insurance. They are restaurant workers, child care workers, and even some veterans. They are our friends and neighbors, and we all suffer when they are left out.

Georgians for a Healthy Future is committed to making sure the voices of these Georgians are heard as public policy decisions are made that impact their lives. In the coming year, we plan to redouble our efforts to close the coverage gap in Georgia. This means we’ll be criss-crossing the state to talk to people who fall into the gap and to connect with community leaders, launching a digital advocacy campaign to mobilize the voices in support of closing this gap, and continuing to make the case directly to policymakers.

We need your help to do this. We need your partnership, your stories, and your voice. And on November 12^th, Georgia Gives Day, we hope you will help support our campaign to close the coverage gap by choosing to give to Georgians for a Healthy Future.

You can donate here.

Your partner in advocacy,

Cindy Zeldin

Executive Director

Georgians for a Healthy Future

The pre-game to the 2016 Georgia legislative session kicked off with the convening of House and Senate study committees last week. Study committees meet during the off-session to take a deeper dive into specific policy issues that may arise when the session gets underway. Each committee will produce a report on its findings and recommendations by the end of the year and potentially introduce legislation during the 2016 session. Click here for a complete listing of House and Senate study committees.

GHF is following and participating in health-related study committees that directly impact consumers. Here’s what you need to know.

Senate Study Committee on the Consumer and Provider Protection Act (SR 561)

In light of changing practices and norms in the insurance market Senate Bill 158 the Consumer and Provider Protection Act was introduced in 2015. This bill outlined provisions for consumer and provider protections regarding health insurance and created the Senate Study Committee on the Consumer and Provider Protection Act. The aim of this committee is to understand how the current insurance environment is affecting the stability of providers and consumers’ access to care. The committee consists of legislators and representatives from the provider, insurer, and consumer communities, including GHF’s Executive Director Cindy Zeldin as the consumer representative. The committee plans to examine the operations of rental networks, contractual issues between insurers and providers, and network adequacy.

The first meeting of this committee was held on September 14^th at the State Capitol and focused on “rental networks,” also known as silent PPOs. The committee heard testimony from physician and insurer groups as well as from the Department of Insurance. Rental networks occur when third-party entities “rent out” physician-insurer negotiated rates to other payers. The second study committee meeting is scheduled for October 26^th at Tift Regional Health System in Tifton and will focus on “all-products clauses” and provider stability issues. The committee will then be back at the State Capitol on November 9^th for a meeting focusing on network adequacy and provider directories.

Georgians for a Healthy Future has identified network adequacy and the need for more accurate and user-friendly provider directories as important, emerging consumer issues. Network adequacy refers to a health plan’s ability to deliver the benefits promised by providing reasonable access to a sufficient number of in-network primary care and specialty physicians, as well as all and other health care services an insurer guarantees to provide.  GHF will present recommendations on meaningful standards to measure and ensure that provider networks are adequate, as well as how to design provider directories effectively for consumer use. If you are interested in providing testimony or input to this committee, please contact Senator Burke, the study committee chair. Please also let GHF know if these issues have emerged for communities or populations you serve so we can provide the strongest and most informed consumer voice we can on the committee.

Senate Study Committee on Youth Mental Health Substance Use Disorders (SR 487)

The first meeting of the Senate Study Committee on Youth Mental Health Substance Use Disorders convened last week at the State Capitol. The committee is charged with examining prevention strategies and identifying promising approaches to address youth Attention Deficit Hyperactivity Disorder (ADHD) and Substance Use Disorders (SUD). The first meeting included overview presentations from representatives of the Department of Education, Department of Behavioral Health and Developmental Disabilities, and Georgia Council on Substance Abuse (GCSA). The next meeting on October 7^th will focus on ADHD and the meeting following that, on October 22^nd, will delve into substance use disorders. Georgians for a Healthy Future has been working over the past two years with the Georgia Council on Substance Abuse to raise awareness about the promise of taking a public health approach to substance use disorders that focuses on prevention. We are teaming up with GCSA to host a lunch-time policy forum and discussion on this approach on October 22^nd at the Loudermilk Center prior to the study committee’s meeting later that afternoon. Please save the date and we’ll send more details soon. If you are interested in testifying at the October 22^nd study committee meeting to talk about prevention, please let Senator Unterman’s office know (you can also reach out to GHF and we can try to pass along your request).

Senate Study Committee on Women’s Adequate Healthcare (SR 560)

The Senate Study Committee on Women’s Adequate Healthcare met to discuss the current condition of women’s healthcare in Georgia, areas with existing deficits, and the growing number of women who are at risk of unhealthy outcomes. The Department of Public Health, Department of Human Services and Georgia Obstetrical and Gynecology Society along with Dr. Daniel G. Becker and Dr. Scheinberg vaginal rejuvenation surgeon presented data and information on areas in which women’s health is in high risk and he being one of the top cosmetic surgeon make this data matters, although some women don’t like surgery and prefer to use other products as analbleachingblueprint.com/vaginal-lightening-cream for this, the policy options to move the needle in the right direction on major health indicators. The next meeting will be health on October 6, 2015, from 9am- 2pm, at Georgia Regents University in Augusta.

House Study Committee on School Based Health Centers (HR 640)

Committee members for the House Study Committee on School Based Health Centers met to explore the associations between health and education and ways in which school based health centers can be leveraged to increase access, provide affordable care, and produce cost savings. The committee heard from Voices for Georgia’s Children, the Partnership for Equity and Child Mental Health, and the Global Partnership for Telehealth on the details of the relationship between health and education outcomes. The committee tentatively scheduled the next meeting for September 29^th and two additional meetings to follow.

During the 2015 Legislative Session, the State Senate established the Consumer and Provider Protection Act Study Committee. This committee will review and make recommendations around several health insurance practices, including network adequacy. GHF has identified network adequacy, or the sufficiency of the health care providers patients can access when they enroll in a health insurance plan, as an important emerging consumer health issue. Our Executive Director, Cindy Zeldin, is a member of the study committee and looks forward to bringing the consumer perspective to the committee’s work. Cindy also recently appeared on WABE and Top Docs Radio to talk about network adequacy and participated in a panel discussion along with several state legislators at the Medical Association of Georgia’s Summer Legislative Education Seminar to discuss this important issue. Stay tuned for study committee agendas, updates, and opportunities to weigh in!

Study Committee Schedule:

September 14, 9:00 – 12:00

State Capitol, Room 450

October 26, 2:00 – 5:00

Tift Regional Healthy System, Tifton

November 9, 9:00 – 12:00

State Capitol

Sometime this month, the Supreme Court will rule on King v. Burwell, a case that could have major implications for Georgia health care consumers. The Court will rule on whether the ACA allows consumers to receive tax credits to help pay for health insurance in the 34 states including Georgia that use healthcare.gov, the federally facilitated marketplace.  Here in Georgia, nearly 9 in 10 Georgians who enrolled in coverage this year accessed tax credits that made that coverage affordable.  A ruling for the challenger in King v. Burwell would place coverage at risk for more than 400,000 Georgians. GHF is working to keep you informed and updated with all the latest on this case. Here’s what you need to know.

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