Dude, Some New HealthCare Laws Are Now In PLace!!

Starting today some very important Heathcare Laws are taking affect.

• Minimum Medical Loss Ratio for Insurers
  Requires health plans to report the proportion of premium dollars spent on clinical services, quality, and other costs and provide rebates to consumers if the share of the premium spent on clinical services and quality is less than 85% for plans in the large group market and 80% for plans in the individual and small group markets.

  Implementation: Requirement to report medical loss ratio effective for 2010; requirement to provide rebates effective beginningJanuary 1, 2011 
• Closing the Medicare Drug Coverage Gap
  Requires pharmaceutical manufacturers to provide a 50% discount on brand-name prescriptions filled in the Medicare Part D coverage gap beginning in 2011 and begins phasing-in federal subsidies for generic prescriptions filled in the Medicare Part D coverage gap.

  Implementation: January 1, 2011
• Medicare Payments for Primary Care
  Provides a 10% Medicare bonus payment for primary care services; also, provides a 10% Medicare bonus payment to general surgeons practicing in health professional shortage areas.

  Implementation: January 1, 2011 through December 31, 2015
• Medicare Prevention Benefits
  Eliminates cost-sharing for Medicare-covered preventive services that are recommended (rated A or B) by the U.S. Preventive Services Task Force and waives the Medicare deductible for colorectal cancer screening tests; authorizes Medicare coverage for a personalized prevention plan, including a comprehensive health risk assessment.

  Implementation: January 1, 2011
• Center for Medicare and Medicaid Innovation
  Creates the Center for Medicare and Medicaid Innovation to test new payment and delivery system models that reduce costs while maintaining or improving quality.

  Implementation: Center established by January 1, 2011
• Medicare Premiums for Higher-Income Beneficiaries
  Freezes the income threshold for income-related Medicare Part B premiums for 2011 through 2019 at 2010 levels resulting in more people paying income-related premiums, and reduces the Medicare Part D premium subsidy for those with incomes above $85,000/individual and $170,000/couple.

  Implementation: January 1, 2011
• Medicare Advantage Payment Changes
  Restructures payments to private Medicare Advantage plans by phasing-in payments set at increasingly smaller percentages of Medicare fee-for-service rates; freezes 2011 payments at 2010 levels; and prohibits Medicare Advantage plans from imposing higher cost-sharing requirements for some Medicare covered benefits than is required under the traditional fee-for-service program.

  Implementation: January 1, 2011
• Medicaid Health Homes
  Creates a new Medicaid state option to permit certain Medicaid enrollees to designate a provider as a health home and provides states taking up the option with 90% federal matching payments for two years for health home-related services.

  Implementation: January 1, 2011
• Chronic Disease Prevention in Medicaid
  Provides 3-year grants to states to develop programs to provide Medicaid enrollees with incentives to participate in comprehensive health lifestyle programs and meet certain health behavior targets.

  Implementation: January 1, 2011
• CLASS Program
  Establishes a national, voluntary insurance program for purchasing community living assistance services and supports (CLASS program).

  Implementation: January 1, 2011

  
  
• National Quality Strategy

  Requires the Secretary of the federal Department of Health and Human Services to develop and update annually a national quality improvement strategy that includes priorities to improve the delivery of health care services, patient health outcomes, and population health.

  Implementation: Initial strategy due to Congress by January 1, 2011
• Changes to Tax-Free Savings Accounts
  Excludes the costs for over-the-counter drugs not prescribed by a doctor from being reimbursed through a Health Reimbursement Account or health Flexible Spending Account and from being reimbursed on a tax-free basis through a Health Savings Account or Archer Medical Savings Account. Increases the tax on distributions from a health savings account or an Archer MSA that are not used for qualified medical expenses to 20% of the amount used.

  Implementation: January 1, 2011

• Grants to Establish Wellness Programs

  Provides grants for up to five years to small employers that establish wellness programs.

  Implementation: Funding authorized beginning in fiscal year 2011
• Teaching Health Centers
  Establishes Teaching Health Centers and provides payments for primary care residency programs in community-based ambulatory patient care centers.

  Implementation: Funding appropriated for five years beginning in fiscal year 2011
• Medical Malpractice Grants
  Authorizes $50 million for five-year demonstration grants to states to develop, implement, and evaluate alternatives to current tort litigations.

  Implementation: Authorizes funding beginning fiscal year 2011Funding for Health Insurance Exchanges