2015-04-14 CASE MANAGEMENT - CASE MANAGEMENT Flashcards
Legislation and Law
The Patient Protection and Affordable Care Act
was signed into law by President Obama on March 23, 2010 taken together with the Health Care and Education Reconciliation Act of 2010 (signed into law on March 30, 2010), is commonly referred to as “health care reform outlined a series of changes to US health insurance, to be implemented over a period of 4 years, to “bring an end to some of the worst abuses of the insurance industry It changed the landscape for Medicare Parts A, B, and D, as well as for Medicaid
Provisions of the Affordable Care Act NEW CONSUMER PROTECTIONS ( part 1 ) 2010
Putting Information for Consumers Online. The law provides for an easy-to-use website where consumers can compare health insurance coverage options and pick the coverage that works for them. Prohibiting Denying Coverage of Children Based on Pre-Existing Conditions. The law includes new rules to prevent insurance companies from denying coverage to children under the age of 19 due to a pre-existing condition. Prohibiting Insurance Companies from Rescinding Coverage. In the past, insurance companies could search for an error, or other technical mistake, on a customer’s application and use this error to deny payment for services when he or she got sick. The new law makes this illegal. After media reports cited incidents of breast cancer patients losing coverage, insurance companies agreed to end this practice. Eliminating Lifetime Limits on Insurance Coverage. Under the new law, insurance companies are prohibited from imposing lifetime dollar limits on essential benefits
Provisions of the Affordable Care Act NEW CONSUMER PROTECTIONS ( part 2) 2010
Regulating Annual Limits on Insurance Coverage. Insurance companies’ use of annual dollar limits on the amount of insurance coverage a patient may receive are restricted for new plans in the individual market and all group plans. Starting in 2014, the use of annual dollar limits on essential benefits like hospital stays is banned for new plans in the individual market and all group plans. Appealing Insurance Company Decisions. The law provides consumers with a way to appeal coverage determinations or claims to their insurance company and establishes an external review process.
Provisions of the Affordable Care Act NEW CONSUMER PROTECTIONS ( part 3) 2010
Establishing Consumer Assistance Programs in the States. Under the new law, states that apply receive federal grants to help set up or expand independent offices to help consumers navigate the private health insurance system. These programs help consumers file complaints and appeals; enroll in health coverage; and get educated about their rights and responsibilities in group health plans or individual health insurance policies. The programs also collect data on the types of problems consumers have, and file reports with the US Department of Health and Human Services to identify trouble spots that need further oversight
Provisions of the Affordable Care Act NEW CONSUMER PROTECTIONS 2014
Prohibiting Discrimination Due to Pre-Existing Conditions or Gender. The law implements strong reforms that prohibit insurance companies from refusing to sell coverage or renew policies because of an individual’s pre-existing conditions. Also, in the individual and small group market, the law eliminates the ability of insurance companies to charge higher rates due to gender or health status. Eliminating Annual Limits on Insurance Coverage. The law prohibits new plans and existing group plans from imposing annual dollar limits on the amount of coverage an individual may receive. Ensuring Coverage for Individuals Participating in Clinical Trials. Insurers are prohibited from dropping or limiting coverage because an individual chooses to participate in a clinical trial. This provision applies to all clinical trials that treat cancer or other life-threatening diseases.
Provisions of the Affordable Care Act IMPROVING QUALITY AND LOWERING COSTS 2010
2010 Providing Small Business Health Insurance Tax Credits. Up to 4 million small businesses were eligible for tax credits to help them provide insurance benefits to their workers. The first phase of this provision provided a credit worth up to 35% of the employer’s contribution to the employees’ health insurance. Small non-profit organizations received up to a 25% credit. Providing Free Preventive Care. All new plans that beginning on or after September 23, 2010 must cover certain preventive services such as mammograms and colonoscopies without charging a deductible, co-pay or coinsurance. Preventing Disease and Illness. A new $15 billion Prevention and Public Health Fund invests in proven prevention and public health programs that can help keep Americans healthy - from smoking cessation to combating obesity.
Provisions of the Affordable Care Act IMPROVING QUALITY AND LOWERING COSTS 2014 (Part1)
Making Care More Affordable. Tax credits to make it easier for the middle class to afford insurance becomes available for people with income between 100% and 400% of the poverty line who are not eligible for other affordable coverage. (In 2010 measurements, 400% of the poverty line comes out to about $43,000 for an individual or $88,000 for a family of four.) The tax credit is advanceable, so it can lower premium payments each month, rather than making people wait for tax time. It’s also refundable. These individuals may also qualify for reduced cost-sharing (copayments, co-insurance, and deductibles).
Provisions of the Affordable Care Act IMPROVING QUALITY AND LOWERING COSTS 2014 (Part2)
Establishing Health Insurance Exchanges. Starting in 2014 if an employer doesn’t offer insurance, the employee is be able to buy insurance directly in an Exchange - a new transparent and competitive insurance marketplace where individuals and small businesses can buy affordable and qualified health benefit plans. Exchanges offer a choice of health plans that meet certain benefits and cost standards. Starting in 2014, Members of Congress receive their health insurance through Exchanges
Provisions of the Affordable Care Act IMPROVING QUALITY AND LOWERING COSTS 2014 (Part3)
Increasing the Small Business Tax Credit. The law implements the second phase of the small business tax credit for qualified small businesses and small non-profit organizations. In this phase, the credit is up to 50% of the employer’s contribution to provide health insurance for employees. There is also up to a 35% credit for small non-profit organizations.
Provisions of the Affordable Care Act IMPROVING QUALITY AND LOWERING COSTS 2015
2015 Paying Physicians Based on Value Not Volume. A new provision ties physician payments to the quality of care they provide. Physicians see their payments modified so that those who provide higher value care receive higher payments than those who provide lower quality care.
INCREASING ACCESS TO AFFORDABLE CARE 2010 (Part1)
Providing Access to Insurance for Uninsured Americans with Pre-Existing Conditions. A new Pre-Existing Condition Insurance Plan provides new coverage options to individuals who have been uninsured for at least 6 months because of a pre-existing condition. States have the option of running this new program in their state. If a state chooses not to do so, a plan is established by the Department of Health and Human Services in that state. Extending Coverage for Young Adults. Under the new law, young adults are allowed to stay on their parents’ plan until they turn 26 years old. (In the case of existing group health plans, this right does not apply if the young adult is offered insurance at work.)
INCREASING ACCESS TO AFFORDABLE CARE 2010 (Part2)
Expanding Coverage for Early Retirees. Too often, Americans who retire without employer-sponsored insurance and before they are eligible for Medicare see their life savings disappear because of high rates in the individual market. To preserve employer coverage for early retirees until more affordable coverage was available through the new Exchanges in 2014, the new law created a $5 billion program to provide needed financial help for employment-based plans to continue to provide valuable coverage to people who retire between the ages of 55 and 65, as well as their spouses and dependents. For more information on the Early Retiree Reinsurance Program, visit www.ERRP.gov
INCREASING ACCESS TO AFFORDABLE CARE 2010 (Part3)
Rebuilding the Primary Care Workforce. To strengthen the availability of primary care, there are new incentives in the law to expand the number of primary care doctors, nurses and physician assistants. These include funding for scholarships and loan repayments for primary care doctors and nurses working in underserved areas. Doctors and nurses receiving payments made under any State loan repayment or loan forgiveness program intended to increase the availability of health care services in underserved or health professional shortage areas do not have to pay taxes on those payments.
INCREASING ACCESS TO AFFORDABLE CARE 2010 (Part4)
Holding Insurance Companies Accountable for Unreasonable Rate Hikes. The law allows states that have, or plan to implement, measures that require insurance companies to justify their premium increases to be eligible for $250 million in new grants. Insurance companies with excessive or unjustified premium exchanges may not be able to participate in the new health insurance Exchanges in 2014. Increasing Payments for Rural Health Care Providers. Today, 68% of medically underserved communities across the nation are in rural areas. These communities often have trouble attracting and retaining medical professionals. The law provides increased payment to rural health care providers to help them continue to serve their communities. Strengthening Community Health Centers. The law includes new funding to support the construction of and expand services at community health centers, allowing these centers to serve some 20 million new patients across the country.
INCREASING ACCESS TO AFFORDABLE CARE 2012
Providing New, Voluntary Options for Long-Term Care Insurance. The law creates a voluntary long-term care insurance program - called CLASS - to provide cash benefits to adults who become disabled.
INCREASING ACCESS TO AFFORDABLE CARE 2014
Promoting Individual Responsibility. The new law requires most individuals who can afford it to obtain basic health insurance coverage or pay a fee to help offset the costs of caring for uninsured Americans. If affordable coverage is not available to an individual, he or she is eligible for an exemption. Ensuring Free Choice. Workers meeting certain requirements who cannot afford the coverage provided by their employer may take whatever funds their employer might have contributed to their insurance and use these resources to help purchase a more affordable plan in the new health insurance Exchanges.
HOLDING INSURANCE COMPANIES ACCOUNTABLE 2011
Bringing Down Health Care Premiums. To ensure premium dollars are spent primarily on health care, the new law generally requires that at least 85% of all premium dollars collected by insurance companies for large employer plans are spent on health care services and health care quality improvement. For plans sold to individuals and small employers, at least 80% of the premium must be spent on benefits and quality improvement. If insurance companies do not meet these goals, because their administrative costs or profits are too high, they must provide rebates to consumers
HOLDING INSURANCE COMPANIES ACCOUNTABLE 2011
Addressing Overpayments to Big Insurance Companies and Strengthening Medicare Advantage. Today, Medicare pays Medicare Advantage insurance companies over $1,000 more per person on average than is spent per person in Traditional Medicare. This results in increased premiums for all Medicare beneficiaries, including the 77% of beneficiaries who are not currently enrolled in a Medicare Advantage plan. The new law levels the playing field by gradually eliminating this discrepancy. People enrolled in a Medicare Advantage plan still receive all guaranteed Medicare benefits, and the law provides bonus payments to Medicare Advantage plans that provide high quality care.
Health care reform legislation passed in 2010 had foci in 2 related models of integrated health care delivery:
the Patient-Centered Medical Home (PCMH) and the Accountable Care Organization (ACO), the former being at the heart of the latter.
The Affordable Care Act established ACOs
as a new payment model under Medicare and fostered pilot programs to extend the model to private payers and Medicaid
The National Council for Community Behavioral Healthcare (NCCBH), in their January 2011 report,3 defined an ACO as
a structure through which a group of providers with shared governance takes responsibility for the management and coordination of a defined population’s total spectrum of care
ACO
(Elliott S Fisher, MD, MPH) coined the term “Accountable Care Organization,” described as having 3 key attributes: organized care, performance measurement, and payment reform, “all aligned, if possible, to support physicians in their efforts to improve care While reimbursement will continue under the fee-for-service system initially, the provider organizations (the ACOs) that are able to improve quality and reduce costs will receive substantial bonuses and share in the savings physicians and hospitals come together to become more organized entities that are capable of managing and being responsible for the care of an entire population of patients regularly report on performance measures to reassure the public and payers that care is improving
To help providers understand options for structuring partnerships with ACOs, the January 2011 report issued by the NCCBH urged providers to undertake the following action steps to ensure their readiness to participate in ACOs:
- Prepare now for participation in the larger health care field 1. Identify community partners and build relationships, especially with primary care. 2. Develop competency in team-based care and health homes in particular. 3. Institute a measurement-based approach to care, incorporating standardized clinical assessment tools into routine service delivery. Gather data on population served in order to support recognition as a “high-volume” specialty provider. 4. Increase skills and knowledge in population health management, including wellness and prevention and disease management approaches. 2. Establish credentials as a high performer relative to the triple aim 1. Adopt quality tools and train staff in using them to track performance. 2. Assess clients’ experience of care (including its patient-centeredness and cultural/linguistic competence) and address gaps. 3. Document MH/SU and general health outcomes (e.g., body mass index) and implement a plan for improving areas of weaknesses. 4. Evaluate the cost and value of the care provided. 3. Ensure information technology readiness 1. Institute IT systems that are able to support: 1. Exchange of data within and outside the organization 2. Use of data as a routine part of clinical work 3. Performance review practices 4. Management of new payment structures (including linking performance to payment) 2. Reach out to community partners to begin forming local or regional health information exchanges. 3. Plan for an extended period of change 1. Implement a change management plan. 2. Identify key resources and support network for staying current around new and emerging practice and financing models. 3. Invest in educating board and staff on operational and clinical changes.