Health Insurance Open Enrollment Begins Nov. 1; You Can Window Shop Starting Today

Consumers will have the shortest open enrollment period yet to shop for 2019 health insurance plans – 45 days — but they can “window shop” and compare plans beginning today. Open enrollment for health plans effective Jan. 1, 2019, will run from Nov. 1 to Dec. 15, giving consumers the least amount of time to enroll in or renew plans since the Affordable Care Act (ACA) became law.

Conversation With Your Doc May Be The Best—And Most Elusive—Medicine

When doctors and patients communicate well, research shows that patients are more likely to follow treatments, recover more quickly and are less likely to be the victims of medical errors. But with an average office visit of just 18 minutes and an increasingly complex variety of diagnostic and therapeutic options, good communication may be modern medicine’s final frontier. In this podcast, sponsored by ConnectiCare, Dr. Juan Estrada, medical director of Sanitas Medical Centers and Lisa Freeman, director of  the Conn. Center for Patient Safety, provide tips on how to communicate with your doctor. A recent patient survey by ConnectiCare found that patients generally rated communication with their doctors highly, but there were concerning gaps.

Health Insurance Open Enrollment Brings Higher Premiums, Less Time To Apply

Consumers can begin shopping for 2018 health insurance through Access Health CT (AHCT) Wednesday, but will see sizeable price increases and have far less time to enroll than in previous years. Officials at the state’s health insurance exchange are boosting marketing and outreach efforts at a time when many consumers may be confused, said Andrea Ravitz, AHCT’s director of marketing and sales. Despite efforts by President Donald Trump and Republicans in Congress to repeal the Affordable Care Act (ACA), which created AHCT, the legislation and the marketplace still stand. “The constant mixed messages are confusing people,” Ravitz said. “There are certain things that are affecting the federal platform that are not affecting Connecticut at all.

Report: Many CT Consumers Don’t Understand Their Health Insurance Policies

Many consumers who obtain insurance through Connecticut’s health care exchange don’t understand the plans they buy—and can struggle to access care as a result, according to a new report. Insurance plans typically use complicated language that is difficult to understand, according to the Health Disparities Institute, UConn Health. As a result, some patients have trouble accessing care, experience delays in care, encounter administrative hassles and face other hurdles, the study found. The institute conducted a statewide poll last year among 516 adults who enrolled in qualified health plans through Access Health CT (AHCT), the state health insurance exchange created under the Affordable Care Act. Many struggled to understand basic insurance terms like “premium,” “deductible” and “co-pay.”

More needs to be done to educate all health insurance consumers, regardless of where they buy their policies, said Lisa Freeman, executive director of the nonprofit Connecticut Center for Patient Safety.

Inpatient Mental Health Coverage Rare For State Insurance Plans

The state’s top insurers were more likely to approve claims for mental health services in 2015 than the year before, but rates of rejection for residential care remained high, a new state report shows. About 6.4 percent of claims for mental health services were rejected by eight top managed care insurers – down from about 8 percent in 2014 – according to an analysis of the 2016 Consumer Report Card on Health Insurance Carriers in Connecticut. At the same time, insurers continued to deny more than one in six requests for residential behavioral health care. And the percentage of managed care plan enrollees who received any inpatient services for mental health was low, with most companies providing such services for fewer than 0.3 percent of all enrollees. The analysis is based on eight companies that reported the same categories of data in 2015 and 2016 to the state Insurance Department, which changed the reporting format across the two years.