Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Monday, March 26, 2012

Attorney General's Opinion on the Contraception Mandate


Recently the Obama administration mandated that all contraception, including abortion-inducing drugs be included in healthcare plans. This raised the question about whether there were any state laws that might come into conflict with the mandate.  After doing some preliminary research, I have found several state statues that may be in conflict with the new mandate.

To that end, I have sent over a request to the Attorney General to get an opinion.  The wording of the opinion and the research can be found below. Thank you to Representatives Kim Hammer and Lori Benedict for signing on to the opinion.

If you know of any other statues that may be in conflict with the new mandate, please contact me at david.meeks@arkansashouse.org

Here to Serve,
David Meeks

_____________________________________________________________

Dear General McDaniel:

I am writing to request your official opinion on the following questions.

1) Would any state statutes and/or amendments, including those I have enclosed with this request, conflict with the Contraception Mandate?

2) Based on Arkansas Constitutional Amendment 68, would the Contraception Mandate prohibit the legislature from appropriating money to entities that may dispense abortion-inducing drugs listed in the mandate?

If there is any way you might expedite your response to this question, it would be greatly appreciated 




Amendments:

---->Amendment 2 § 24. Religious liberty.

 "All men have a natural and indefeasible right to worship Almighty God according to the dictates of their own consciences; no man can, of right, be compelled to attend, erect, or support any place of worship; or to maintain any ministry against his consent. No human authority can, in any case or manner whatsoever, control or interfere with the right of conscience; and no preference shall ever be given, by law, to any religious establishment, denomination or mode of worship, above any other."

---->Amendment 68 I have been told that a possibility exists Amendment 68 could affect certain grants to hospitals, because we appropriate the money. On a separate note, others I have talked to said that the State Employee Health Insurance probably wouldn't be affected by the Mandate and Amendment 68 because it is considered to be self funded.

State Statues:

---->20-16-601  This deals with abortion and would come into play if they required a physician to administer an abortion inducing drug.




---->23-79-510: (2)  EXCLUSIONS.  Subject to the contractual policy form language adopted by the board, the following services, supplies, drugs, or articles whether prescribed by a physician or not shall not be covered:
                    (R)  Any expense or charge for oral contraceptives used for birth control or any other temporary birth control measures;

Subchapter 11
Equity in Prescription Insurance and Contraceptive Coverage Act

23-79-1101. Title.

This subchapter shall be known and may be cited as the Equity in Prescription Insurance and Contraceptive Coverage Act.

23-79-1102. Definitions.

As used in this subchapter:
               (1)(A)  Health benefit policy means an individual or group plan, policy, or contract for health care services issued, delivered, issued for delivery, or renewed in this state, including those contracts executed by the State of Arkansas on behalf of state employees, by a health care corporation, health maintenance organization, preferred provider organization, accident and sickness insurer, fraternal benefit society, hospital service corporation, medical service corporation, provider-sponsored health care corporation, or other insurer or similar entity.
                               (B)  Health benefit policy does not include:
                                               (i)  Accident-only, credit, specified disease, dental, hospital indemnity, Medicare supplement, long-term care, or disability income insurance policies;
                                               (ii)  Coverage issued as a supplement to liability insurance;
                                               (iii)  Workers' compensation or similar insurance; or
                                               (iv)  Automobile medical-payment insurance;
               (2)  Insurer means an accident and sickness insurer, fraternal benefit society, hospital service corporation, medical service corporation, health care corporation, health maintenance organization, or any similar entity authorized to issue contracts under Title 23 of this Code; and
               (3)  Religious employer means an entity that:
                               (A)  Is organized and operated for religious purposes and has received a section 501(c)(3) designation from the Internal Revenue Service;
                               (B)  Has as one (1) of its primary purposes the inculcation of religious values; and
                               (C)  Employs primarily persons who share its religious tenets.

23-79-1103. Parity for contraceptives.

(a)  Every health benefit policy that is delivered, issued, executed, or renewed in this state or approved for issuance or renewal in this state by the Insurance Commissioner on or after August 12, 2005, that provides coverage for prescription drugs on an outpatient basis shall provide coverage for prescribed drugs or devices approved by the United States Food and Drug Administration for use as a contraceptive.
---->(b)  Nothing contained in this subchapter shall be construed to require any insurance company to provide coverage for an abortion, an abortifacient, or any United States Food and Drug Administration-approved emergency contraception.

23-79-1104. Extraordinary surcharges prohibited.

(a)  No insurer shall impose upon any person receiving prescription contraceptive benefits pursuant to this subchapter any:
               (1)  Copayment, coinsurance payment, or fee that is not equally imposed upon all individuals in the same benefit category, class, coinsurance level, or copayment level receiving benefits for prescription drugs; or
               (2)  Reduction in allowable reimbursement for prescription drug benefits.
(b)  This subchapter shall not be construed to:
               (1)  Require coverage for prescription coverage benefits in any contract, policy, or plan that does not otherwise provide coverage for prescription drugs;
               (2)(A)  Preclude the use of closed formularies.
                               (B)  However, the formularies shall include oral, implant, and injectable contraceptive drugs, intrauterine devices, and prescription barrier methods; or 
  ------->  (3)  Require any religious employer to comply with this subchapter.

Monday, January 16, 2012

The Fiscal Session


Here are some things to look for as we start the Pre-Fiscal Session Budget Hearings:


From: http://arkansasnews.com/2012/01/15/despite-agenda-add-ons-legislative-leaders-expect-smooth-budget-hearings/

Healthcare Exchanges: Part 1
Another issue likely to draw attention is a $462,000 contract in the state Insurance Department’s proposed budget to plan what the state’s role will be in a federally mandated health insurance exchange.
Healthcare Exchanges: Part 2
The governor in December said he endorsed the state’s involvement in a partnership with the federal government to implement the exchange in the state.
He also said he signed off on an application by the Insurance Department for a $7.6 million federal grant to plan for implementing the program.
AFC
The governor has asked lawmakers to approve $2.7 million in supplemental funding to help offset the commission’s shortfall. About $1.2 million would repay federal government grant money that was inappropriately used by the agency for the ongoing expenses, and about $1.5 million would fund the commission operations through the end of the fiscal year.
Increased Spending

There is an expectation that the Governor's budget will be around $4.7 billion which is an increase of around $155 million from last year's budget.  The bulk of the increase will be Medicaid and Public Schools.

Please feel free to send me your thoughts on these and other issues.  My email is david.meeks@arkansashouse.org

Wednesday, November 2, 2011

ISP Filed on Healthcare Mandates

I have filed an interim study proposal to look at the healthcare mandates here in Arkansas.  Here is a link to the copy of the ISP: http://www.arkleg.state.ar.us/assembly/2011/2011R/Pages/ISPIRDetail.aspx?ispid=2011-187

According to a 2010 report, the Council for Affordable Health Insurance had Arkansas with 45 different mandates.
You can view a copy of the report here: http://www.cahi.org/cahi_contents/resources/pdf/MandatesintheStates2010.pdf

Of note from the report:  "Although most mandates only increase the cost of a policy by
less than 1 percent, 40 such mandates will price many people out of the market.  It is the accumulated impact of dozens of mandates, not just one, that makes health insurance unaffordable."

If we are to make health insurance more affordable to the people of Arkansas, this is just one area we need to take a closer look at.

Here to Serve,
David Meeks
email: david.meeks@arkansashouse.org

Tuesday, September 27, 2011

My Letter to Governor Beebe on Healthcare Exchanges in Arkansas


As you may already know, Commissioner Jay Bradford has asked State Legislators to contact Governor Beebe and ask them to support additional funding to continue planning the Healthcare Exchanges under Obamacare.

Below you will find the email I sent to Governor Beebe in opposition to additional funding.  I ask my colleagues to do the same.



Dear Governor Beebe,

I am writing to you in opposition of moving forward with any additional spending as it relates to implementation of the Healthcare Insurance Exchange. 

As you are aware, there are still lawsuits challenging the PPACA working there way to the Supreme Court.  Although Arkansas has chosen not to participate in these lawsuits, we do not wish to undermine them through aggressive policies that implement key components of the PPACA.

More importantly, as I have talked to people in my district, one common message I have heard is that they are against implementation of the PPACA here in Arkansas to include the HIE.

The many unanswered questions regarding HIE, as well as the overall future of the PPACA and the timelines and policies it imposes compels me to believe that not spending any additional taxpayer money on the HIE is the wisest course of action at this time.

Thank you for your consideration on this issue.

Respectfully submitted,

David Meeks
State Representative- District 46

Wednesday, March 30, 2011

Funding Obamacare and the Department of Insurance

Here are Facts on the Insurance Department Budget:


It contains 1 million dollars to start implementation of the Federal Healthcare Exchange (aka Obamacare)

While the budget was in the Joint Budget committee, Senator Jason Rapert tried to have the million dollars stripped out and when that didn't happen tried to put an amendment in so it couldn't be spent. The amendment was voted down.

We have twice made motions on the House floor so that the money could be stripped out. We were blocked both times by the Democrats.

HB2138, the bill that would give the power to actually implement does contain a clause that would keep money from being spent until either Supreme Court rules it constitutional OR 11/15/11.

HOWEVER there is this clause at the end:

(c) Nothing in subsection (b) shall be construed to limit or prevent the commissioner from either spending any portion of the federal grant monies already procured by the State Insurance Department, or attempting to procure additional federal grants prior to the dates specified in subsection (b).


This is there way of being able to start spending money to implement Obamacare on JULY 1st, 2011 or even sooner.


None of us want the Department to go unfunded, but unfortunately it contains taxpayer money that would implement the healthcare bill that so many Arkansans oppose. The Democrats continue to adamantly oppose our efforts to have it taken out.


I am disappointed that Governor Beebe and House Democrats have taken this course of action and think implementing Obamacare is more important then funding the Department of Insurance.


As long as the money is still in there, I will continue to vote against it and encourage my colleagues to do the same.

Thursday, February 24, 2011

A Hard Decision

Today I personally made one of the most difficult votes that I have had to make all session. I voted against HB1315, An Act to Provide Health Insurance Coverage for Autism Spectrum Disorders.

The bill would mandate insurance companies cover Autism Spectrum Disorders.

http://staging.arkleg.state.ar.us/ftproot/bills/2011/public/HB1315.pdf

Here are the main reasons why I voted against the bill:

  • 1) It’s another government mandate. There are already around 40 different mandates in Arkansas that increase premiums by around 5% to 15%. This is not the only mandate the Arkansas Legislature is considering this session. SB66 requires insurance to cover diagnosis and treatment of morbid obesity.
  • 2) It will add around $30 to private insurance policies per year. While this may not be a lot, it does put an even greater burden on families already stretched to the limit in these economic conditions. As stated in point one, mandates add to the cost of insurance. For the Arkansan spending $800 a month ($9,600/yr) on insurance, you are paying at least $40 a month ($480/yr) due to mandates.
  • 3) Our schools already receive over $100 million in federal funding under Individuals with Disabilities Education Act. This act includes children with Autism.
  • 4) I believe in the people of Arkansas and believe that there are other solutions that will help solve this issue without the government having to mandate coverage.
A couple of possible solutions:

  • Non-profit Autism/Disabilities organizations work thru the communities and schools to help those in need.
  • Insurance companies offering riders that cover certain disabilities and offer the rider to everyone so that people can choose to help rather than force.
We need to work to make our healthcare system better. My philosophy is less government. Let the people, medical, and insurance companies come up with free market solutions.

Today I did not vote against Autism. I voted against more government, and higher premiums.

If you have any questions about this or any other vote, please feel free to contact me. My email address is david.meeks@arkansashouse.org