First glimpses of a new health care world

By Elizabeth G. Olson

FORTUNE -- As health insurance is reshaped, some major corporations are switching the way they offer coverage to current employees and retirees, in a move that is likely to pave the way for major change to the American health care system.

IBM (IBM) -- which has about 110,000 retirees -- is planning to shift its traditional company-administered plan to private Medicare health insurance exchanges for people who are 65 and older. Retirees can use company subsidies to buy Medicare Advantage plans or other coverage to supplement the services they receive under the federal program.

On the heels of IBM's retiree changeover, drug-store giant Walgreen Co. (WAG) announced this week that it would move its 160,000 current employees to Aon Hewitt's Corporate Health Exchange starting next year. Two major companies, Sears Holdings Corp. (SHLD) and Darden Restaurants (DRI), have already signed their current employees with Aon Hewitt, which says that it is now providing services to some 330,000 active employees.

IBM's move could be a win all around -- savings for companies trying to keep a lid on contributions to retired employee medical costs, lowered costs because of more insurance carrier competition, and a wider range of coverage options. Or, as the health care overhaul kicks into gear, it could usher in an era of confusion as people struggle to navigate online insurance marketplaces.

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One point of confusion is the word "exchange." A private exchange, like Extend Health, where IBM's retired workers are being directed, or Aon Hewitt, is different from public health insurance exchanges, called for under the Affordable Care Act in every state, where government-subsidized premiums help those with lower incomes.

With private exchanges, companies pay a set amount annually to cover the company's obligation for health care, and workers use that sum to buy coverage of their choice.

"A private exchange is a fancy word for more choice," says Paul Fronstin, head of health research for the Employment Retirement Benefits Institute.

Although the institute conducts research independently, one of its founders was IBM, which was fairly blunt about its reasons it opted to switch how it provides health care insurance to its retirees.

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First glimpses of a new health care world

Better pay coming for home health care workers

Economy

Allison Linn CNBC

Sep. 20, 2013 at 9:08 AM ET

Home health care workers, who for years have been exempt from minimum wage and overtime laws because of a stipulation that classified them as similar to casual babysitters, will soon be eligible for fatter paychecks.

The Labor Department announced this week that the nearly two million workers who provide in-home care for people who are elderly, sick or disabled will be subject to the Fair Labor Standard Acts minimum wage and overtime protections start in January of 2015.

The move is a major victory for advocates of in-home health care workers. They have long argued that the fast-growing profession has evolved beyond its origins providing informal companionship to elderly people and into a much more complex job providing medical and other care.

Now you have millions of home care workers doing this as a means to support themselves and their families, said Steve Edelstein, national policy director for the Paraprofessional Healthcare Institute, which has been advocating for the change.

But opponents say the new protections will make in-home care more expensive for families and government programs such as Medicaid that pay for such services, and that it could result in a reduction in covered services.

What this means for patients is less care. What it means for aides and caregivers is less work and reduced compensation, Andrea Devoti, chair of the National Association for Home Care & Hospice, a trade group for home care agencies, said in an e-mail to NBCNews.com.

Fifteen states already provide minimum wage and overtime protections under states laws, according to the Paraprofessional Healthcare Institute.

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Better pay coming for home health care workers

Health care volunteers target outreach to Seattle's most uninsured

by ELISA HAHN / KING 5 News

KING5.com

Posted on September 20, 2013 at 6:19 PM

Updated yesterday at 9:44 PM

Health care volunteers spread out across King County Friday to spread the word about getting health insurance under the Affordable Care Act. They targeted the most uninsured neighborhoods.

One of the first stops was the Salvadorean Bakery in Seattles White Center, where only two of the dozen restaurant employees have health insurance.

"Sometimes, I feel embarrassed, said Aminta Elgion, one of the bakerys co-owners. "About four years I've been without insurance and it's been very, very, hard.

The volunteers talked briefly with the restaurant staff, giving them the flier and the website to get more information to enroll.

At least 20 percent of the residents in the White Center area have no health insurance.

"A big barrier that I see this is the first time that many people will have health insurance, said Penny Lara, project manager with the countys access and outreach team. I dont know about you, but it is confusing to me to navigate the system.

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Health care volunteers target outreach to Seattle's most uninsured

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Freedom Air gets 90-day reprieve

Thursday, September 19, 2013

CPA board chair disappointed after colleagues refused to hear legal counsels opinion

Freedom Air can continue using Commonwealth Ports Authority facilities for its operations despite having $1.23 million in outstanding arrears incurred the past three years.

This after the Commonwealth Ports Authority board of directors yesterday delayed the enforcement of the eviction notice supposedly due today, Sept. 19.

By a vote of 4-3, the board gave Freedom Air a 90-day extension to settle its arrears with CPA. Board vice chair Benigno Sablan and members Barrie Toves, Fermin Sakisat, and Michael San Nicolas voted in favor of the extension, while chair Jose Lifoifoi and members Thomas Kiyu Villagomez and Frances Mafnas opposed it.

Lifoifoi in particular was disappointed that majority of the board thumbed down his request to have them hear first the opinion of CPA legal counsel Robert Torres before conducting the voice vote.

So as it stands now, Freedom Air has until Dec. 31, 2013 to settle its unpaid obligations to CPA, especially the passenger facility charges as required by the U.S. Federal Aviation Administration. The board said failure to do would force them to kick out the company from its premises, with finality.

CPA board last August unanimously voted to terminate and issue an eviction notice to the airline due to its long overdue account with the ports authority. It was earlier revealed that Freedom Air, in many occasions, was issued termination notices which none were actually implemented.

Minutes before yesterdays board meeting, Freedom Air general manager on Saipan Dennis Cruz was seen in the gallery but left as soon as the meeting started.

After adopting the days agenda, Sablan immediately made a motion to stay the eviction notice for Freedom Air and to delay its enforcement for 90 daysor until the end of the yeara motion immediately countered by Villagomez who described the 90-day recommended extension as too much.

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Freedom Air gets 90-day reprieve

Internet freedom coalition seeks data

An internet freedom coalition backed by US technology giants has asked for 21 countries to release information on national security and law enforcement data requests.

The Global Network Initiative, which includes Google, Facebook, Yahoo and Microsoft, has asked the countries to 'report on the requests they make for electronic communications surveillance and to make it legally possible for companies to report regularly to the public on the government requests that they receive from law enforcement as well as national security authorities'.

Letters have been sent to senior government officials responsible for foreign affairs, justice, and security, with copies to data protection authorities, the group says.

Copies were sent to representatives at the UN offices in Geneva, in advance of discussions on human rights and communications surveillance at the 24th session of the Human Rights Council, the organisation said.

The move comes with US tech firms in a battle with the US government to release more information on the role of companies in surveillance programs revealed in recent months by intelligence leaker Edward Snowden.

The tech firms say they are not allowed to reveal the number of national security requests, and that more transparency would boost the confidence of their users.

The Global Network Initiative, which seeks to promote freedom of expression and privacy in the digital age, sent the requests to the 21 countries in the Freedom Online Coalition, which have committed to collaborating to advance internet freedom.

The countries are Austria, Canada, Costa Rica, Czech Republic, Finland, France, Estonia, Georgia, Germany, Ghana, Ireland, Kenya, Latvia, the Republic of Maldives, Mexico, Mongolia, The Netherlands, Sweden, Tunisia, Britain and the US.

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Internet freedom coalition seeks data

AspergerGamer64 Play’s Simple Character 2000 Series Vol.15 – Cyborg 009 – The Block Kuzushi part 1 – Video


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AspergerGamer64 Play's Simple Character 2000 Series Vol.15 - Cyborg 009 - The Block Kuzushi part 1 - Video