Healthcare

Pediatric dental and orthodontic coverage could see significant changes under health care reform, particularly in terms of reimbursement. Evelyn Ireland, the executive director of the National Association of Dental Plans, talks about regulations that might or might not have people smiling.

Rules for the six state insurance exchanges that won conditional approval from the Obama administration Dec. 10 are split evenly between those with strict criteria for companies that want to participate and states that have opened their exchanges to all comers, a scenario supported by the insurance industry. A high bar for inclusion could limit the number of insurers offering health plans in some states.

Many states led by Republican governors have already said they won’t build their own insurance exchanges. That puts the onus on the Obama administration.

Of the six states that have won HHS approval to run their health care exchanges, some, like Maryland, have opened theirs to all comers, while others, such as Connecticut, plan strict criteria. Insurers will have to twist and contort to play by the irregular rules.

Health insurance premiums may double for some small businesses and individual buyers in the U.S. when the Affordable Care Act’s major provisions start in 2014, Aetna’s chief executive officer said.

The Department of Health and Human Services says six states – all led by Democrats – have earned conditional approval to begin enrolling members in their health-insurance exchanges.

With the cost of a private nursing home room running $90,000 a year, many retirees are considering giving all their money to their children in order to qualify for Medicaid. Aside from being a serious financial risk, it shines a bright light on the lack of awareness of long-term care insurance.

While adoption of consumer-driven health plans by employers continues to increase, the perceived risk of CDHP’s high deductibles still makes employees hesitant to switch from the traditional PPO. However, such fears may be unfounded, according to Change Healthcare.

Under health care exchanges, many employees will be selecting benefits previously decided by an employer — providing a chance for brokers and consultants to show their true value, said a panel of experts at the Workplace Benefits Transitions conference December 5.

Buck Consultants estimates the average salary increase in 2013 will be 3%, and two-thirds of surveyed companies plan to focus on retention, not hiring.