Health care turmoil triggers more consumer use at Freedom Benefits

The past week was a crazy period for U.S. health insurance. Consumers are understandably confused. The turmoil resulted in a higher level of user activity for Freedom Benefits, a web-based service that directs online consumers to various health insurance exchanges.

Within a period of just one week – Monday April 25 to Monday April 1 – we saw the executive branch of the federal government make a surprise announcement that it will not support the popular features of the Affordable Care Act in federal court, then the Trump administration’s new alternate small business health plan was defeated in federal court, then the President denounced Obamacare and promoted his party’s health plan that does not exist, then the White House announced that it will not make any more health care push until after the 2020 election. Whew!

The commotion triggered a higher than usual amount of consumer web traffic, calls and emails to the OnlineNavigator service supported by Freedom Benefits. Our focus is to direct consumers and small businesses on the options as they exist under the law now, and deliberately staying away from the confusing news headlines that cause speculation about what options may or may not exist in the future.

Freedom Benefits’ simple strategy of focusing on facts, not opinion, is apparently paying off in this tumultuous and otherwise divisive environment. The number of enrollments in currently available health plan options effective April 1 appears to be at the highest level since the implementation of the Affordable Care Act that began in 2010.

Freedom Benefits was founded by Philadelphia accountant Tony Novak to provide health insurance support to regional construction workers. It grew to a national service by 1999 when Novak joined the Board of the National Association of the Remodeling Industry. Novak believed that by being insurance-licensed and up-to-date on health insurance legal and market issues in all 50 states and DC, consumers would use an online adviser that eventually became the trademarked OnlineNavigator service. Novak was then asked to testify before Congress on Republican Party ideas to modernize healthcare for small businesses under the Bush administration. Most of Freedom Benefits’ business assets were sold to a public company prior to passage of the Affordable Care Act (ACA). After enactment of the ACA, Yahoo Finance and the Better Business Bureau were critical of our fee-based business model  and so Freedom Benefits has been mostly dormant since then. Freedom Benefits is not an insurance company, producer, exchange or agency. It has no direct revenue and web site operating expenses are paid by another related business. It is still not clear that a business model that does not collect leads or make sales can be successful. Freedom Benefits’ sole function has been to make referrals – both paid and unpaid – based on specific consumer circumstances. Occasionally that advice is combined with basic related personal or business financial planning.

The recent surge in consumer activity triggered discussions about reviving the Freedom Benefits brand and updating the services offered. Last week a Philadelphia area employee benefits and health insurance business wrote that they now perceive Freedom Benefits as a competitor. That strategic business planning is ongoing and no decisions are finalized.

 

Anti-vaxers listed as worst health risks

For the first time ever, the World Health Organization listed “vaccine hesitancy” on its 2019 list of 10 worst global health risks. That list was published in January. Since then, we have epidemic outbreaks in New York and New Jersey, with Pennsylvania not far behind. The problem is getting worse.

In my early adulthood I supported Rotary International’s efforts to get vaccinations distributed to third world countries. I never imagined that there would be a problem with these old diseases right here at home where vaccines are available and covered by health insurance plans.

Social media outlets that allowed anti-vax propaganda are now being shut down. Crowdfunding platforms like Go Fund Me now disallow these campaigns. Research into the motivations of anti-vax social media posters is underway. Meanwhile, companies like Facebook realize they may be held legally accountable for the deadly impact of false information spread on their platform.

New research on anti-vax propaganda exploring the motivations of those who post propagande was published two days ago. Most anti-vax propaganda appears to be attributable to ‘social media ignorance mindset’; a situation with which we are all too familiar. However, even with this limited data, we cannot dismiss the possibility that not all propagandists are driven by ignorance or exercise of free speech rights. There might be more sinister motivations.

Some, maybe most, scientists believe that the planet is overpopulated with humans Past the point of  sustainability. If so, some mechanism of depopulation is in our future. It seems logical to conclude that bad actors taking advantage of health propaganda would have an open path toward this end.

Child vaccinations are covered by health plans for good reason. Unfortunately, parental ignorance or the requirement to do the right thing is not covered. Freedom Benefits has long supported the rights of individuals to make their own health decisions including the right to make bad decisions. However, our support does not extend to the right to transfer the pain, cost or suffering of your poor decision to another person.

Pharmacy industry’s powerful political base with seniors

Much of the media attention critical of the pharmacy industry focuses on the lobbying actions directly with lawmakers and administrative officials. But there is another potentially more powerful force available to the industry.

Seniors are overwhelmingly satisfied with their prescription drug plans. The pharmacy industry has taken action to make it clear that senior voters would be likely to vote out of office an elected official who damages those prescription drug benefits.

The latest demonstration of this power base is the focus of a polling report by the Pharmaceutical Care Management Association released on Mar 18, 2019. The leading point of the press release accompanying the poll result said “Senior registered voters enrolled in Medicare Part D will be less likely to support the reelection of their members of Congress and presidential candidates if those elected officials back proposals eliminating prescription drug negotiations and price concessions that would result in Part D premium increases, according to a new poll from North Star Opinion Research”. Point taken.

The pharmacy industry wants us all to know: the political power of the status quo cannot be ignored.

American Health Shield alternatives

A representative from the former administrator of American Health Shield Dental Insurance and American Health Shield Short Term Medical Insurance wrote to me by email today with a reminder that these products are no longer available but that their company information is still associated with previously published materials that explain and market the products. In an effort to prevent consumer confusion, I removed the outdated pages.

But what does that mean to consumers who look for the products? There are alternatives in most states. It makes sense to do a search for available products listed where you live through the online insurance exchanges and request a call if you want to discuss the options with an agent. We can help connect you with a licensed agent in your area.

Change of tune: Trump administration seeks to reaffirm Obamacare

In a surprise move Friday, December 21, lawyers for the Trump administration filed a brief asking U.S. District Judge Reed O’Connor, federal judge in Texas who declared Obamacare unconstitutional, to downplay the impact of the case. The Trump administration wants to reassure the public his decision was not effective immediately and he did not intend “substantial disruption to the healthcare markets” after the presidents’s misleading public comment made about the December 14 court ruling. The president wrote “As I predicted all along, Obamacare has been struck down as an UNCONSTITUTIONAL disaster!”. Late the White House Communications Office issued a corrective statement “the law remains in place” and was not, in reality, “struck down”.

U.S. Justice Department originally backed the court case to declare Obamacare unconstitutional but now realizes that they have no other plan to fund healthcare. The Trump officials want to assure the public that Obamacare is still the ‘law of the land’ despite the president’s statements that “Obamacare Is dead” that are meant for political purposes and are not meant to confuse people or to lie to the public about the availability of legally available health coverage under Obamacare. At least one public official believes that Trump can be held legally liable for his lies that could cost people to forfeit government-provided health insurance.

The issue is expected to be resolved in the when the Democrat-led Congress regains power and resumes a “healthcare for all” agenda. Neither the Judge’s ruling nor the U.S. Justice Department have any effect on the private commercial health plans listed at Freedom Benefits that are exempt from most Obamacare laws.

Low cost health insurance expands

President Trump signing
President Trump authorized new health plan options

The market for lower cost affordable health insurance is expected to grow with at least to more companies making public securities market offerings for expansion. Bright Health and Oscar Health both completed successful public offerings this year.  These health plans offer lower beenfits at a lower cost in states that allow these alternatives. President Trump pushed for approval of these plans that were previously prohibited by Obamacare. Not all plans are available in all states.

Freedom Benefits has served as a leading adviser in this field since 1995. We support freedom of choice for well-informed consumers and we will continue to monitor, review and recommend these alternative health plans as they develop. Personal support is available online or by telephone.

Uninsured: what does it mean to health care access?

The number and percentage of uninsured children rose in 2017 after a decade of improvement.  One in five uninsured children live in Texas, according to recent research. The number of uninsured people in the US overall is rising but the percentage of uninsured remained at 8.8% overall.

What does this actually mean as a matter of public health policy? Are those without health insurance actually being denied access to healthcare? Or is the quality or quantity of care affected? There is much written on this topic but the answers are not easy to discern. Maryland health officer Russell Roy writes: “Uninsured people receive less medical care and less timely care, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families”.

At Freedom Benefits our anecdotal observation is that once a person has access to the healthcare system they have a much better chance of receiving high quality ongoing care, with or without ongoing insurance. Some people, even with health insurance, never gain access to the healthcare system. This appears to be because some people do not have the cash for office visits or required co-copayments. For this reason we focus on coverage that provides easy and affordable up-front access to the healthcare system. Benefits in the affordable health insurance plans are limited but at least the patient is ‘in the door’ of the healthcare system. Once inside the healthcare system, professionals tend to have more resources to provide for continued patient care.

Having health insurance is important but it is more important to have easy access to the healthcare system regardless of insurance.

Celebrating a small mile mark for Freedom Benefits

Today we are celebrating a small mile mark for Freedom Benefits with the enrollment assistance provided to the first “new generation” health plan applicant for 2019. I thought this would be a good time to summarize the history of the project and how we came to this point:

cropped-american-eagle1-1.jpg1995 – Freedom Benefits is launched in Pennsylvania as a way to help local building contractors find health insurance using online technology so that insurance agents dd not have to bother with this mundane work.  The logo photo of an American bald eagle with the American flag was taken while visiting an outdoors expo in Oaks PA with my young son.

1997 – The concept “gels” and Freedom Benefits comes to stand for freedom of choice for consumers; a concept that works only if consumers have access to fair, unbiased and accurate advice. The service quickly expanded nationwide offering low cost and alternative  kinds of health insurance. Tony was one of the few people in the US licensed in all 50 states and DC and was conversant in all states’ health insurance laws, consumer issues and planning.

1998 –  our web site Medsave.com was the fastest growing in the industry even brefly outpacing the growth rate of Ehealthinsurance.com. (Then Ehealth went public and exploded in growth leaving us in the dust).

2003 – Tony made national news a few times as an expert on Medical Savings Accounts and the new Health Savings Accounts.

2004 – Passed 50,000 users. Received an offer to sell at $1.6 million and declined it as too low based on the rate of growth.

2009 – Medsave.com was sold at a fraction of the earlier offer because of the threat of the Affordable Care Act disrupting the market.

2010 – The Affordable Care Act is passed and Freedom Benefits grinds to a halt.

2013 – FBI investigates Pennsylvania scammers using the business name that caused us grief for a while. We were cleared as not being related to the scammers trying to steal identity.

2012 – Applied for trademarks for “Freedom Benefits”, “OnlineAdviser” and “OnlineNavigator” in hope that the post-Obamacare industry would elvolve in a way where we could participate.  Freedom Benefits focused primarily on Health Reimbursement Arrangements for small businesses just to keep active.

2015 – Made an arrangement with SASID to handle enrollment while Tony handled online user support, primarily offering pre-enrollment health care planning.

October 2018 – Trump administration authorizes the expansion of alternate health insurance.

November 2018 – Freedombenefits.net web site relaunches with a new marketing plan.

Today, November 26, 2018 the new web site assisted in the enrollment of the first person on a new alternative type of post-Obamacare health insurance plan.


(The earlier dates in this blog post are approximate based on memory).

20 states fight unconstitutional Obamacare provisions

President Trump signing

Twenty states sued the federal government in February 2018 arguing that the current law requiring insurance companies to cover pre-existing conditions is unconstitutional. The US Justice Department now sides with these 20 states in trying to use the courts to bring an end to Obamacare. Led by Texas Attorney General Ken Paxton and Wisconsin Attorney General Brad Schimel, the lawsuit said that without the individual mandate, which was eliminated as part of the Republican tax law signed by President Donald Trump in December, Obamacare was unlawful. Ironically, observers say that these 20 states stand to lose more health care funding than many other states if the lawsuit is successful. A copy of the initial filing is available here.

Paxton said “The U.S. Supreme Court already admitted that an individual mandate without a tax penalty is unconstitutional. With no remaining legitimate basis for the law, it is time that Americans are finally free from the stranglehold of Obamacare, once and for all”.

Alabama Attorney General Steve Marshall, representing one of the other twenty states in the lawsuit argues a provision in the Affordable Care Act requiring insurers to cover pre-existing conditions is unconstitutional. The lawsuit would affect almost one million people in Alabama alone according to the Kaiser Family Foundation, a non-profit with insurance industry connections. They say that about 1 in 3 people in the state of Alabama have a pre-existing medical condition that would not be covered if the state’s lawsuit is successful.

To address this situation, President Donald Trump issued an executive order early in his presidency directing the adoption of regulations that would deem some low-cost health insurance that does not cover pre-existing conditions as being ACA-compliant.

The 20 states that want to end Obamacare are: TEXASWISCONSINALABAMAARKANSAS, ARIZONA, FLORIDAGEORGIA, INDIANAKANSASLOUISIANA, MAINEMISSISSIPPIMISSOURINEBRASKANORTH DAKOTASOUTH CAROLINASOUTH DAKOTATENNESSEEUTAH, and WEST VIRGINIA.

Freedom Benefits stepped up its services to offer advice on choosing between the old and new types of health care plans and can help introduce consumers to the best health plan for their situation and budget. Freedom Benefits reminds residents of these 20 states that a medical condition that makes a person uninsurable can happen to anyone at any time. It is important to have a backup plan and an asset protection plan to protect family assets from the high cost of unexpected and uninsured medical costs.

Introduction to Core Health Insurance

This is meant as a brief description only and not as an offer to to sell insurance. Freedom Benefits and OnlineNavigator are not authorized to sell insurance or to represent any insurance company. See the insurance company’s published information for all details.

Core Health Insurance logo
Core Health Insurance

Core Health Insurance provides specified limited dollar coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan. Core Health does provide benefits for pre-existing conditions but be sure to understand all of the limitations. Core Health insurance generally continues month after month, year after year, until you cancel it or until you reach the maximum age for coverage. In general, these plans provide less coverage at a lower price than Obamacare plans but may also cover more of the more common types of smaller medical expenses.

Acceptance is guaranteed for all applicants in these states: AL, AR, AZ, CA, DC, DE, FL, GA, HI, ID, IL, IN, IA, KY, LA, MI, MS, NE, NV, ND, NM, OH OK, PA, RI, SC, TN, TX, VA, WV, WI, and WY.

Core Health Plans include benefits for:

  • Doctor Office Visit benefits
  • Wellness Visit benefits
  • Hospital and ICU benefits
  • Emergency benefits
  • Surgery and anesthesia benefits
  • Accident medical expenses and more
  • Single or Family coverage
  • Freedom to choose any Doctor or Hospital
  • Discount Medical Program

View the benefit overview on the insurer’s quote page. Personal help is available online or by phone to help with your decision.