Why We Built HealthPlanRatings.org – and What Makes it Different

Here at Consumers' CHECKBOOK, what we’ve always focused on is helping consumers make their best choices. And we felt that right now, choosing insurance plans on the Marketplace is difficult and confusing for most consumers, and that Healthcare.gov doesn't give consumers the key information they need to choose the best plan.

So what we did was build a model for how to get consumers to their best health plan choices – and get them there quickly. We launched this Health Plan Comparison tool at www.HealthPlanRatings.org.

This tool actually compares every plan available in the Illinois Marketplace based on total estimated cost (not just premiums or deductibles), plan quality, doctor availability, and other key factors. But it's designed to take consumers with little or no knowledge of insurance through a few simple steps – which take about five minutes – to help them choose the best plan for them.

Although it is intended to be a model for the country, right now the Health Plan Comparison tool only includes plans in one state: Illinois. Our hope is that the Feds and states that are running the Marketplaces will learn from what we have done and make their Marketplaces work better for consumers for the next open enrollment period, this Fall. Meanwhile, we want to have as many Illinois consumers as possible use the tool right now.

Here are some examples of what we've done:

COST. This is the primary consideration for most consumers when purchasing health insurance. Right now, Healthcare.gov lets you compare plans, but it just gives you the premium and the amounts of deductibles, co-payments, coinsurance, etc., for various health care services and products. Since it is all but impossible to calculate the likely total cost for each plan based on this confusing mass of benefit information, consumers often choose based on premium alone, or some other unreliable shortcut. Instead, our model uses actuarial analysis of data from large health-care-usage databases to calculate an Estimated Average Total Cost (premiums plus out-of-pocket costs) for a family of the same size, ages, health statuses, and other characteristics. That gives you a single dollar amount for each plan, making it easy to compare plans.

RISK. The Marketplace gives a consumer little or no help assessing risks of having a "bad year," or what the cost of an event such as heart attack could be. We calculate the cost in bad years and the probability that a family like yours will have such a year, giving you an easy-to-understand, easy-to-compare measure of "Risk" with each plan.

DOCTORS. For many people, whether they will be able to keep their physician – or be able to have one they like – is a key consideration in choosing a plan. But it can be challenging finding out which plans have the doctors you care about available in their networks by going to each of the insurers' doctor directories one at a time. So we combined them into an "All-Plan Doctor Directory" and when you see the list of available plans, you see which of your preferred doctors are in each plan.

QUALITY. All plans are not alike in the quality of care or service their members get, and the Marketplace gives little or no information on the quality of each plan. But we actually provide quality ratings. For all the plans, we initially display a simple overall quality score, and you can personalize the score based on the aspects of plan quality that are most important to you.

We believe that the Health Plan Comparison tool will save many consumers thousands of dollars and connect them to good care and service. It was a lot of work creating this website. We launched it two weeks ago, and did a demo for about 200 Navigators at a meeting set up by Get Covered Illinois. We want to reach out and help as many consumers as possible before March 31. Please take a look at www.HealthPlanRatings.org. Here is a sample plan-comparison page:

One more thing. We have been asked why we, based in Washington, DC, chose Illinois for our model plan comparison tool. There are various reasons, including the fact that it is a large, diverse state, with major urban and rural populations; has a lot of creative, consumer-oriented leaders; and has a substantial number of plans in the Marketplace. And okay, I admit it: we have some personal connections: My mom and dad were both born and raised in Illinois (Lexington and Lincoln); I graduated from the University of Chicago Law School; the director of our health plan ratings work got a Masters in opera (very different from what he has done for many years for us) from University of Illinois and sang sometimes in Chicago before spending eight years singing opera in Europe; and we publish one of our regional versions of Consumers' CHECKBOOK magazine in Chicago, with ratings or service firms, from auto repair shops to plumbers to doctors and veterinarians, and thus have reason for frequent trips to do Chicago TV appearances talking about our findings.

We really hope that you will tell everyone who might still be looking for insurance, or helping others look for insurance, in the Illinois Marketplace about this tool. And of course, we welcome any feedback. You can email me at rkrughoff@checkbook.org

– By Robert Krughoff, President, Consumers' CHECKBOOK

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Dual Eligibles Next to Move into Managed Care in Illinois

On February 22, the U.S. Department of Health and Human Services announced a Memorandum of Understanding (MOU) with the state of Illinois for a demonstration project that will enroll approximately 136,000 dual eligibles in northeastern and central Illinois into managed care plans. (“Dual eligibles” are individuals who have coverage through both Medicare and Medicaid.) Illinois is the fourth state to receive an MOU for this demonstration, known nationally as the Medicare Medicaid Financial Alignment Initiative (MMAI).

AgeOptions and other organizations that serve older adults have been following the development of this new project, as it will significantly affect the lives of our clients. Here is what we have learned about this new initiative from our research and communications with the entities involved, including the Illinois Department of Healthcare and Family Services and various managed care organizations:

The MMAI project is part of a national effort to better coordinate care for dual eligible beneficiaries. Dual eligibles tend to be sicker and cost more than other Medicare and Medicaid beneficiaries. To address this, as part of the Affordable Care Act, the Centers for Medicare and Medicaid Services created a Medicare-Medicaid Coordination Office (MMCO) to “make sure Medicare-Medicaid enrollees have full access to seamless, high quality health care and to make the system as cost-effective as possible.” One of the MMCO’s first projects has been working with states to implement initiatives to coordinate care for dual eligibles.

Currently, dual eligibles must navigate and manage multiple systems of coverage in order to access the health care they need (Medicare, Medicare Part D prescription drug plans, and Medicaid). This can be very complex and taxing for individuals who have multiple complex health needs. Therefore, the goals of the MMAI project are to simplify this process and provide higher quality and more coordinated care for dual eligibles.

In January 2014, dual eligibles in the greater Chicago area and parts of Central Illinois will be enrolled into managed care plans. These plans must provide care managers and other supports to coordinate their members’ care, in addition to paying for members’ medical services and long term services and supports (LTSS). In exchange, these plans will be paid a capitated rate by the state of Illinois and CMS. (“Capitated rate” means the plans will receive a flat rate for each member that they serve, instead of being paid for each individual service that a member receives.) The inclusion of long term services and supports in this project is significant, as these services may be ‘new territory’ to some managed care organizations. In addition to providing coverage for LTSS provided in long term care facilities, MMAI plans will be responsible for covering home and community based services, such as the Community Care Program. This may cause confusion for dual eligible beneficiaries who are used to receiving Community Care Program services through the existing system, so agencies working with older adults will have to provide education and assistance to help our clients understand these new changes.

Illinois has selected eight managed care plans to provide MMAI coverage. Those eight plans are:

• Chicago area: Aetna Better Health, Blue Cross/Blue Shield of Illinois, HealthSpring, Humana, IlliniCare (Centene), and Meridian Health Plan of Illinois
• Central Illinois: Molina Healthcare, Health Alliance

Dual eligible beneficiaries in the target counties will be able to enroll in these plans voluntarily beginning October 2013. In January 2014, the state will begin passively enrolling additional beneficiaries into the plans. This passive enrollment will be conducted in phases, so it will take about 6 months to enroll everyone who will be affected. After a beneficiary has been passively enrolled into a plan, s/he may change plans at any time and will have some ability to opt out of the program (though this opt out privilege may be limited in certain cases).

Counties that will be part of the MMAI project:

• Greater Chicago area: Cook, DuPage, Lake, Kane, Kankakee, and Will counties

• Central Illinois: Christian, Champaign, DeWitt, Ford, Knox, Logan, Macon, McLean, Menard, Peoria, Piatt, Sangamon, Stark, Tazewell, and Vermilion counties

For more information about the Illinois MMAI project, please see the following resources:

CMS fact sheet
Illinois Memorandum of Understanding
Illinois Department of Healthcare and Family Services webpage on Illinois Care Coordination Initiatives (see section on MMAI)

Written by Erin Weir, Manager of Health Care Access at AgeOptions
erin.weir@ageoptions.org

Update:Illinois’ Care Coordination and Managed Care System

In January 2011, the Illinois legislature passed a bill that requires 50% of the State’s Medicaid population to be covered in a risk-based care coordination program by 2015. Subsequently, in May 2012, the State Legislature passed the SMART Act, cutting Medicaid services and projecting cost savings through various care coordination initiatives.

The care coordination, or managed care, initiatives referenced through this bill are: the Integrated Care Program, the Dual Eligibles Capitation Demonstration and the Innovations Program. All three of these initiatives have a goal to better coordinate primary, acute, behavioral health and long-term supports and services thereby improving the delivery of health services and lowering health costs.

The move to better coordinate care across primary, acute, behavioral health and long-term supports and services is in alignment with the federal Affordable Care Act (ACA), passed in March 2010. In fact, Illinois has made an effort to take advantage of several of the ACA provisions to move towards a better coordinated and integrated health system.

One of the ACA provisions Illinois is interested in is called Medicaid health homes for individuals with chronic conditions. To date, Illinois has filed a draft Medicaid state plan amendment to create health homes. The other federal ACA inititiave relating to care coordination that Illinois interested in is the Medicare-Medicaid Alignment Initiative, or the Dual Eligibles Demonstration Project. Illinois has submitted a proposal for this demonstration project.

For more details about the various care coordination, or managed care, initiatives in Illinois, please reference the document “Illinois Health Reform 2012: Care Coordination, Managed Care and Long-Term Services and Supports” developed by Health & Medicine Policy Research Group.

Kristen Pavle
Associate Director, Center for Long-Term Care Reform
Health & Medicine Policy Research Group

The University of Chicago Medicine is Implementing Health Care Reform

The University of Chicago Medicine, along with other health care providers, is moving ahead with changes under health care reform following the U.S. Supreme Court’s decision in June upholding the Patient Safety and Affordable Care Act of 2010.  Not since 1965, when the Medicare and Medicaid programs became law, has the nation faced a more monumental shift in health care.

Fulfillment of the Affordable Care Act will produce many changes. Among the first is a significant reduction in the number of uninsured Americans, which eventually will improve public health and lower costs.  As more people obtain health coverage, there is a responsibility for providers to use scarce resources in the most cost-effective manner possible.  In Illinois, where a state fiscal crisis recently led to reductions in Medicaid payments to providers, it is critical that we focus on delivering appropriate care in the right places and at the right time.

To address these challenges, health care providers must support innovative approaches to patient care that produce the best outcomes while keeping a lid on costs.  The ideal that all Americans should have access to care regardless of health status or income means that near-term logistical and financial realities must be addressed by the public, the state and health care providers.

A number of initiatives at the University of Chicago Medicine will facilitate the delivery of high-quality patient care and improve public health while controlling costs.  For example, the South Side Healthcare Collaborative connects patients seen in our hospitals with community health centers.  This focus on care coordination meets the needs of patients, improves quality of care and lowers readmission rates.

The Center for Medicare & Medicaid Innovation, established by the Affordable Care Act, is encouraging novel models to transform health care.  CMMI recently announced the intention to award grants, including two to University of Chicago Medicine faculty, to support local initiatives that aim to deliver better care and improve health at lower costs.  

One initiative, led by David Meltzer, MD, PhD, will focus on Medicare patients at high risk of hospitalization by offering a personal physician to care for them not only when they are hospitalized, but also when they leave the hospital.  Under this new Comprehensive Care Program, these patients will receive continuous care from a physician who knows them, which will improve care and patient outcomes while lowering costs.  

Another project, CommunityRx, led by Stacy Tessler Lindau, MD, will deliver personalized information about community resources for wellness and disease management as part of the doctor-patient encounter.   New health information technology systems will support self-care by promoting use of community resources and linking local health and human services organizations with information they can use to tailor their programs and services.

These kinds of innovative solutions aim to create a healthier, better-resourced population cared for by committed community physicians, rather than those based at hospitals, thus saving Medicare and Medicaid millions of dollars annually.

The resources of an academic medical center, available at the University of Chicago Medicine, allow us to test new models to solve difficult problems.  We are working with the communities and people we serve to create a strong health care system that directly addresses the needs of our patients.

Kenneth S. Polonsky, MD
Executive Vice President for Medical Affairs, University of Chicago Dean, Biological Sciences Division and Pritzker School of Medicine

(This blog was originally posted on the University of Chicago Medicine website here).

The Affordable Care Act Will Not Replace Illinois Cares Rx

Illinois Cares Rx is one of the many health programs on the chopping block in Governor Quinn's Medicaid budget plan. This will affect 160,000 low income seniors and people with disabilities who receive Illinois Cares Rx to help them pay for life-saving medications, typically for chronic health conditions such as Multiple Sclerosis, heart disease or Alzheimer’s.

There are no "good" choices when it comes to budget cuts in health & human services in Illinois - but it's critical for state legislators to separate the myths from the facts when decision time arrives. One of the myths being spread around is that Illinois Cares Rx can be cut because the Affordable Care Act will replace it in 2014.

Simply put, that is not true:

• Illinois Cares Rx pays for Medicare Part D premiums; the Affordable Care Act will not.
• Illinois Cares Rx covers Medicare Part D deductibles; the Affordable Care Act will not.
• Illinois Cares Rx reduces the cost of medications when seniors and people with disabilities hit the "donut hole;" while the Affordable Care Act has begun to close the donut hole it will not completely close it until 2020.

See a full comparison chart here that shows what Illinois Cares Rx currently provides for low income seniors and people with disabilities and how it intersects with the Affordable Care Act. You can see that the overlap is minimal.

Please call your legislators and make sure that they have the facts about Illinois Cares Rx cuts which affects all districts in Illinois. Call 1-888-616-3322 which will connect you directly to your legislators and tell them to “Preserve Funding for Illinois Cares Rx.”


John Coburn
Senior Policy Attorney
Health & Disability Advocates

Medicare Improving Fast

There is an intense debate over Rep. Paul Ryan’s (R. WI) proposal to scrap Medicare and turn it into a voucher program shifting costs to seniors, a debate that became even more intense when it was passed by the Republican-controlled House of Representatives. The Senate has not passed it, and the President has registered his opposition. The American people are also firmly opposed.

But that debate has taken news focus away from the substantial improvements to the Medicare program that have been accomplished in just the last year under the Affordable Care Act, with more improvements soon to come. Costs are lower and care is better for seniors all over the country.

Here is what happened in 2010 and is about to happen in 2011 in Medicare under the Affordable Care Act. The numbers apply to Illinois, but the same impact is happening everywhere in America.

1. Prescription drugs are more affordable. In 2010, 152,170 Illinois residents hit the Medicare prescription drug “donut hole” and received at $250 rebate check to defray their costs. Across the state, this came to $38 million in savings for seniors. In 2011, everyone in Illinois who hits the donut hole will receive a 50% discount on their brand name and generic prescription drugs. As of March, Illinois Medicare beneficiaries who had triggered into this benefit were getting about $800 a month in savings.
2. Preventive services are free. In 2010, when this section of the new law had not yet taken effect, Medicare charged co-pays for preventive services like mammograms and other cancer screenings. In 2011 all of the 1.9 million Medicare beneficiaries in Illinois now get all recommended preventive services with no out-of-pocket costs.
3. The annual checkup is free. In 2010, when this section of the new law had not yet taken effect, Medicare charged a co-payment for the annual checkup. Starting in 2011, Medicare beneficiaries can go to an annual wellness visit with no out-of-pocket cost. As of April 20, 17,508 Illinoisans have had a free wellness visit. 
4. Premiums are lower. Under the new law, in 2010 Medicare Part B premiums were nearly $8 less per month than projected by the Medicare trustees. In 2011, the premiums are almost $5 less per month than projected by the Medicare trustees. The lower premium translates to $107 million in savings for Illinois Medicare beneficiaries in 2011.
5. Medicare Advantage. In 2010 and 2011 all beneficiaries still retain the option of joining a Medicare Advantage plan if they so desire.

This is a story typical of many things in the Affordable Care Act. Improvements to the system are constantly rolling out, but the general public remains unaware of them. In part, this is because the subject matter is complex and hard to absorb unless you are directly affected. And in part it is a deliberate strategy of the opponents to keep the focus elsewhere and downplay the accomplishments of the law as they endeavor to repeal it and roll back its benefits. The intense reaction to Rep. Ryan’s proposal shows that at least the people directly affected – seniors who depend on Medicare – are well aware of the increasing quality of their program.

John Bouman
President, Sargent Shriver National Center on Poverty Law (originally posted in the Shriver Brief)