6 Million Legal Immigrants May Get Health Coverage via New Law

The Affordable Care Act (ACA) does not increase access to health insurance for undocumented immigrants however may lead for many legal immigrants who have concern earning this crucial coverage, completes a report released by the George Washington University School of Public Health and Health Services (SPHHS). The report summaries the breaks in addition to the duties that the federal health reform law will transport to legally present immigrants, people who have gotten green cards or visas permitting them to work, live and study in the United States.

AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, has in full support with Affordable Care Act. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.)

“Most people do not realize that legal immigrants currently face many obstacles to obtaining health insurance,” said Leighton Ku, PhD, MPH the author of the new report and director of the Center for Health Policy Research at SPHHS. “Such immigrants are three times as likely to be uninsured as those born in the United States.” Without health coverage, they – like other uninsured Americans – often delay or never get potentially life-saving health care, he said.

This issue brief, which was sponsored by the Commonwealth Fund, records that the federal health reform law possibly will help as many as six million “lawfully present” immigrants either discover affordable health insurance around health insurance exchanges or enroll in Medicaid. The issue brief summaries two main benefits for legal immigrants under the health reform law:

First, and due to many complaints, legal immigrants that do not have health insurance will be able to sign up for coverage out of the new exchanges, online marketplaces where people can buy for a health plan. Depending on their income and other factors, legal immigrants may be able to qualify for federal tax credits that will make a health plan more affordable, Ku said.

Next, numerous legally present immigrants will as well become qualified for Medicaid under the ACA reforms. Under a Supreme Court ruling on the ACA, states are able to open up Medicaid programs to cover many more low-income adults. To date, about half the states have decided to increase their Medicaid programs. Legal immigrants living in the expanding states might find they qualify for Medicaid coverage if they meet income and other requirements, according to the report.

According to the ACA, the new health coverage benefits will not start until January 2014 however the analysis comments that lawfully current immigrants can log onto a health insurance exchange, either one run by a state or by the federal government, to look at their possibilities and shop for coverage now.

The issue brief as well records that numerous low-income immigrants speak a language other than English and may have no simple way to access to the internet. Ku says that many states have put in place community based navigators that can translate the details of a health plan or the cost-sharing obligations from English into another language. And the said navigators can aid lower income however legal immigrants sign up for a plan or profit admission to Medicaid coverage – if they are qualified. According to reviews, many are in favor of this act.


Study proposes that prolonged health coverage may improve cancer results in young adults

Warning! According to a study from Dana-Farber/Brigham and Women’s Cancer Center (DF/BWCC) and Harvard Medical School, young adults who lack health care insurance are more likely to be diagnosed in advanced stages of cancer and have a higher risk of death.

AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, has full support with Affordable Care Act. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.)

Consequently, the Affordable Care Act (ACA), or Obamacare, may improve cancer outcomes in young adults as it expands coverage to many who have been uninsured, said first author Ayal Aizer, MD, MHS, of the Harvard Radiation Oncology Program and senior author Paul Nguyen, MD, of Radiation Oncology at DF/BWCC in a report published in the Journal of Clinical Oncology today. Cancer patients will furthermore profit from the ACA requirement that insurers cover individuals with pre-existing illnesses.

“We found that patients who have insurance coverage do better on every measure,” said Aizer. Those who had insurance coverage were less possible to come to medical care when their cancer had metastasized, or extent yonder the original site. The results revealed that 11.3 percent of covered individuals had metastatic illness when they were diagnosed, matched with 18.5 percent of uninsured patients. That resulted to a 16 percent larger adjusted possibility of having a potentially treatable cancer.

Insured patients were almost two times as possible to obtain “definitive therapy” – radiation or surgery – for their illness. And, amazingly, the insured were 20 percent more possible to survive.

With all the wary reviews, the researchers studied records of 39,447 cancer patients’ ages 20 to 40 years whose medical, demographic and insurance information was kept in a National Cancer Institute-sponsored database.

The huge majority of patients – 93 percent – were insured, whereas 7 percent, or 2,578, had no coverage; they inclined to be younger, male, non-white and single, and more possible to be from regions of lower median income, educational level, and population density. The study surveyed relationships between insurance status and some cancer outcomes.

“Overall, the ACA is going to improve health coverage for young people, but we can’t forget about some young people who may feel they can’t afford the premiums,” added Nguyen. The authors wrote in their article that “extra consideration will need to be given to ensure that at-risk patients can obtain insurance coverage under the ACA.”

Premium costs for certain young adults who buy insurance in the individual market are predictable to increase considerably. Such individuals frequently lack employer-sponsored health plans. The higher costs are relatively since the coverage under the ACA is obligatory to be more complete than several existing plans, and for the reason that the premiums paid by young, healthy people are serving to fund lower costs for older adults.

Conversely, the ACA spreads young adults’ coverage under their parents’ health plans up until age 26, and federal grants will pay portion of the premium costs of low-earning patrons.

Reasons Why You Need Life Insurance


AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, i.e. health insurance. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more.

  1. To Protect Your Family and Loved Ones

Warning! Life insurance is a requirement if your loved ones rely on your financial sustenance for their livelihood because it substitutes your income when you pass away. This is particularly significant for parents of young children or couples whose spouse will find it hard if they no longer have the source of income provided by their partner.

You furthermore must provide enough money to cover the charges of hiring someone to cover the everyday household chores, like cleaning, laundry, cooking, childcare and everything else a growing family requires.

  1. To Leave an Inheritance

Although you don’t have any other possessions to leave to your heirs, you can make an inheritance by purchasing a life insurance policy and naming them as beneficiaries. This is a fantastic way to firm your kids up for a stable financial future and afford for any financial necessities that will occur.

  1. To Settle Debts and Other Expenses

On top of providing income to cover day to day living outflows, your family demands insurance to cover any unsettled debts, like the mortgage, credit cards and car loans. Further expenses consist of funeral and burial costs that can simply run into the tens of thousands of dollars. You wouldn’t like your spouse, parents, children or other loved ones to be left with any additional financial load adding up to the emotional weight they’re by now grief.

  1. To Add More Financial Security

Similar to many parents you almost certainly desire to be sure your kids will be well taken care of when you’re deceased. You not just wish for them to get a quality college education, but then again to provide for other life undertakings like getting married or starting a business. Because of this, additional coverage is unquestionably important while your children are still at home. Reminder, always check for scams for added security.

  1. To Bring Peace of Mind

No amount of money can ever substitute to a person. Nonetheless more than anything, life insurance can help provide security for the uncertainties in life. Undoubtedly, having life insurance coverage will get you and your family peace of mind. It is one thing you can be certain of and no longer doubt if they’ll be taken care of when you’re deceased.

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Affordable Care Act: insurance coverage has upgraded for young adults

The study, printed in the journal JAMA Pediatrics, assessed individuals’ health, access to care and use of health care both before and after the application of the Patient Protection and Affordable Care Act (PPACA).

AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, has full support with Affordable Care Act. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.)

The PPACA was executed in September 2010, and part of its dictate was that insurance companies had to permit adults younger than 26 years of age to continue being covered by their parents’ health insurance policy.

Previous to this alteration, the authors report that just about 1 in 3 young adults aged 19-25 lacked every form of health insurance provision. Ever since then, the percentage of uninsured Americans decreased in 2011 – a decline accredited in part to the expansion of insurance coverage amongst this age group.

Even though many have supposed that augmented insurance coverage directs to optimistic health outcomes for the population, the effect of the PPACA on the health of young adults and their access to health care is unidentified. And there had been some rumors of complaints.

A crew of researchers from the University of Washington in Seattle, led by Dr. Meera Kotagal, studied data from two nationally representative reviews in order to better measure the influence of the PPACA on the access to care and health of young adults aged 19-25.

Increased coverage

The researchers utilize data from the National Health Interview Survey (NHIS) and the Behavioral Risk Factor Surveillance System (BRFSS), matching results data from 2009 with data from 2012. From these studies, the researchers associated a group of young adults (19-25 years) with an older crowd (26-34 years).

The authors discovered that between 2009 and 2012, health insurance coverage for the 19- to 25-year-olds augmented from 68.3% to 77.8%. For the 26- to 34-year-old group, coverage dropped from 77.8% to 70.3%.

The researchers discovered that there was a general weakening in the probability of having a normal source of health care; nonetheless this drop was more distinct in the 26- to 34-year-old participants.

From 2009 and 2012, there was awfully minute change in health status concerning the two groups. The quantity of participants who reported receiving a mundane checkup in the past year and being able to provide dental care, medicine and physician visits did not alter suggestively in each age group.

The study as well discovered that individuals with health insurance coverage were more possible than those without to have a normal source of care, get routine checkups and flu shots and to be able to manage to pay for several forms of health care, like dental care and prescription medication.

Significant to ‘address access and quality’

The authors declare that their study “confirms that health care coverage for young adults has increased but that young adults do not report improved health status, affordability of health care, or use of flu vaccinations compared with their older counterparts.”

The study is restricted in that all of the data from the NHIS and BRFSS were self-reported and consequently may not precisely mirror the health of the contributors. The researchers furthermore doubt whether the link group of 26- to 34-year-olds was the most appropriate for the study.

“Understanding the PPACA’s full impact on young adults may require focus on those who consume more health care, such as those with chronic disease,” say the authors.

The discovery that improved coverage has not caused in better health status for young adults aged 19-25 years leads the authors to determine that “health policy must continue to address access and quality in addition to coverage.”

Primary vs. secondary coverage: What to do when you have two health plans

According to the Gallup-Healthways Well-Being Index as of February 2014, even with the Affordable Care Act, which mandates that practically all Americans have health insurance, 15.9 percent of Americans lack coverage,Axis Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States and has been also servicing SE countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more,

Imagine being a person with not just one but then two health plans, may sometimes sound like a fraud.

This double coverage can take place in many ways:

• An adult child may be covered under a parent’s plan, which must be permissible until age 26, and likewise has a job with workplace advantages.

• An employee may take his or her company’s health plan and likewise be enrolled under a spouse’s plan at the spouse’s workplace.
• Simply, a scam!

Possessing two health plans doesn’t mean you get reimbursed twofold instead of one.

Warning! There are a few disadvantages to what, on the surface, appears like health insurance heaven:

• Double coverage frequently means you’re paying for redundant coverage.
• You need to make your claim with your “primary” plan first. The additional plan can pick up the tab for whatsoever not covered, but it won’t pay something heading the primary plan’s deductible.
• If both plans have deductibles, you’ll have to fee both before coverage kicks in.

• You don’t get to select which health plan is primary, signifying the one that pays first. You don’t get to pick which insurer will pay a definite claim. On the other hand, if the first insurer doesn’t cover a particular treatment, or covers it only moderately, you can then submit the rest of the claim to your secondary insurer for payment, supposing the treatment is covered under the second plan.


So who pays first? “The place you are employed is primary,” explains Matt Tassey, past chairman of the LIFE Foundation, now called Life Happens.

Therefore, if you’re still covered under your parents’ plan and have group health at work, your workplace plan is chief. If you’re covered under your partner’s plan and one at your work, your workplace plan is main plan.

“The secondary plan pays any unpaid balance,” says Tassey. “It will not pay the deductible of the primary plan.”

These rules are known as “coordination of benefits.” The rules for adults shouldn’t be confused with the rules for children who are dependents on two parents’ group health plans. In the case of children with double health insurance coverage, the “birthday rule” applies. This practice says that the group plan of the parent with the first birthday in the calendar year is primary.

Who Can Purchase a Catastrophic Health Plan?

According to the portion of health care costs they pay for the average person Most Americans are required to have health insurance or pay a tax penalty. Health plans that count as sufficient coverage to meet that requirement are standardized into five categories.

Those plans are (estimated by Axis Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States and has been also servicing SE countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more):

  • Platinum: The health plan pays about 90 percent of your health care costs. You pay 10 percent for medical care out of pocket.
  • Gold: Health plan pays 80 percent; you pay 20 percent.
  • Silver: Health plan pays 70 percent; you pay 30 percent.
  • Bronze: Health plan pays 60 percent you pay 40 percent.
  • Catastrophic: Health plan pays less than 60 percent. You pay more than 40 percent.

You can’t buy a catastrophic plan unless you’re below age 30 or you have what’s known as a “hardship exemption,” which excuses you from paying the tax forfeit if you don’t have coverage. There are 14 types of hardship exemptions established on income and other factors.

As per reviews, today’s catastrophic plans normally have higher deductibles and on average pay a smaller percentage of your health care costs compared to the metal plans on the market. However they comprise more protection than the catastrophic plans of the past years.

Now catastrophic plans must cover:

  • Each of the critical benefits, counting pregnancy and maternity care that the traditional plans cover after you meet the deductible.
  • Three primary-care visits a year at no cost to you. Consequently though you haven’t encountered the deductible you don’t have to pay for those three visits. –which many has complaints.
  • Protective services at no cost to you. Those services consist of a range of health screenings and immunizations.

And similar to the metal plans, catastrophic plans can’t put an yearly or lifetime dollar bound on the advantages you obtain, and they need to cap the sum you pay out of pocket for health care. The cap for 2014 health plans is $6,350.

Ebola: Health insurance companies remain cool but alert

Ebola is a virus that disperses because of contact with blood or bodily fluids. The World Health Organization says Ebola has a death rate of up to 90 percent. The present Ebola outbreak is out of control in West Africa. Many have died from it.

Axis Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States and has been also servicing SE countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more, is one of those companies stay calm but alert concerning this Ebola outbreak.

The missionaries’ went back to the United States has put people on edge: Are Americans at risk at home? There have been many complaints reported since people now fear the outbreak. However health insurance companies, which would have to bear the effect of the cost of treatment, were there to be an outbreak, don’t seem concerned.

Dr. Ajani P. Nimmagadda, an infectious disease expert and senior medical director for Cigna, says she thinks the possibility of an Ebola outbreak in the U.S. is extremely low.

The possibility of an outbreak here is slim because of the policies and precautions that American medical centers and health care providers always take when it comes to any highly contagious diseases, she says.



Health insurance companies help keep everyone informed

Nonetheless, Nimmagadda says, Cigna, like all health insurance companies, takes any possibility of an outbreak seriously and works with its providers and patients to keep them informed about unusual health threats.

Cigna also constantly instructs its health care providers and members regarding what they can do to stop the spread of contagious diseases, whether it’s the flu, whooping cough or other viruses and infections. For example, she says, “We remind them of the need to wash their hands and to avoid coming in contact with bodily fluids from infected patients,” she says. In today’s health care settings in the U.S., she says, “you can isolate any contagious [patients] pretty effectively and you take precautions even if you didn’t know what it is they might have.”

Should an outbreak of infectious disease occur, Cigna would follow the guidance of the Centers for Disease Control (CDC) and local health authorities, Nimmagadda says. It would inform its providers and members about the steps they should take and how they can receive the best possible care if they are affected, Nimmagadda says. “We help our customers get the care they need, regardless of the disease — whether it’s an Ebola outbreak or any situation.”

Health insurance companies would be able to spot an outbreak quickly from the insurance claims coming in, says Clare Krusing, director of communications at America’s Health Insurance Plans, a trade group. “The CDC would be the point of contact on how to handle outbreaks of this nature.”



Spreading the word

Cynthia Michener, a spokesperson for Aetna, says it, too, monitors reports of infectious diseases worldwide. When outbreaks are reported, the health insurer does what it can to ensure its members are able to access necessary care, she says. If, for instance, a vaccine or a medicine to treat an outbreak is presented, Aetna works with providers to guarantee that supplies are enough and with no trouble, available to those who need them.


Aetna also stays abreast of announcements from the CDC and other federal agencies and state and local health departments. Should it become necessary, Aetna would help promote awareness of treatment and preventive care options to its providers and subscribers in the affected communities, Michener says.


Aetna and Cigna would put announcements on their websites and send letters via email or the U.S. mail alerting those who need to take action and telling them exactly what to do, the health insurers say.


Nimmagadda leads a work group at Cigna that consist of doctors, customer service reps and provider-relations personnel who anticipate and are charged with supporting uncommon circumstances like an Ebola outbreak. The team guarantees Cigna’s providers would have the capitals they require to assist their subscribers in the event of an outbreak or natural disaster. How often the team meets depends on the need. “During the influenza season,” Nimmagadda says, “we might meet once a week.” Other times, it’s less often.


Benjamin Haynes, a spokesperson for the CDC, says health insurance companies can play a role in helping prevent outbreaks by raising awareness among their health care providers and subscribers of the need to take precautions.


“Anything that they can do to help make people aware of what’s going on where they live or where they travel is helpful,” he says. During the flu season, for example, health insurance companies alert their members to the need to get the flu vaccine. “That’s not the same as an Ebola outbreak,” he says. “But that’s an example of how health insurance companies can play a role in prevention of contagious diseases.”



Warning travelers about Ebola

Devon Herrick, a senior fellow at the National Center for Policy Analysis in Dallas, a think tank that covers health insurance, says health insurers also need to inform their subscribers who travel back and forth to Ebola hot spots (Sierra Leone, Liberia, Guinea and Nigeria) of their risk of exposure and what they can do to protect themselves.


However, he says, “the risk of Ebola coming to the United States is too small for health insurers to [have to] plan for it.”