As abettor of the Maine Department of Bloom and Human Services, and as administrator of the Maine Bureau of Insurance, we spent the bigger allotment of the aftermost year developing the Made for Maine Bloom Advantage Act, a bill that will advance bloom allowance for Maine bodies and baby businesses.
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So, we were afraid to apprehend a contempo annotation (Jan. 12) by David Anderson and Mitchell Stein, which suggests the bill would admission costs for Maine bodies and baby businesses. We would like to analyze how the Made for Maine Bloom Advantage Act would – and would not – work.
What the legislation would do is accomplish some of the best accepted medical visits chargeless for consumers and abridge arcade for bloom affliction by accouterment clear, aboveboard choices of bloom plans. It would accomplish premiums added affordable and abiding for baby businesses, allowance to bigger ascendancy ever-increasing costs. And, it would put Maine – rather than Washington – in the driver’s bench back it comes to active the bloom allowance marketplace, a ameliorate that will acquiesce us to bigger accommodated the specific needs of Maine people.
What the bill would not do is accession premiums for Maine bodies or baby businesses, admitting the columnists’ contention. To admission at their conclusion, Stein and Anderson analyze “risk scores” (a admeasurement of enrollees’ accepted costs) to appear up with the exceptional appulse of the proposal. But that assay is oversimplified. It assumes that anybody is in the aforementioned plan and is answerable the aforementioned premium, no amount their age or location.
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In reality, there are big differences in both plan selections and the ages of bodies affairs bloom affairs in the altered bloom affliction markets. That is why the Maine Bureau of Allowance is application more-detailed advice that reflects these differences as it conducts a absolute appraisal overseen by two absolute sets of experts.
That appraisal additionally takes into application that our plan would abduction accumulation that the authors afield advance the “federal government would pocket.” This is a axiological aspect of our proposal. Our plan would reroute any accumulation to Maine and use them to advice anticipate exceptional increases for baby businesses.
Our bill additionally includes important safeguards to ensure that costs do not increase. Specifically, both the accompaniment and federal governments would accept to accede that premiums would balance or be reduced. If not, this allotment of the angle would not be implemented.
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Similarly, we additionally don’t accept that acute the aboriginal primary affliction and behavioral bloom visits to be chargeless for patients will aftereffect in added premiums. Making those aboriginal visits affordable would acquiesce Maine bodies to get the affliction they charge to break healthier, allowance to anticipate added big-ticket treatments and emergency allowance visits bottomward the road.
Additionally, the Affordable Affliction Act requires bloom affairs at altered levels to cap the boilerplate abroad costs bodies accept to pay (e.g., 10 percent of absolute costs for “platinum” affairs and 40 percent for “bronze” plans). Allowance companies cannot decidedly admission or abatement the all-embracing amounts consumers pay. As a result, insurers would accept to accent primary affliction and behavioral bloom visits while alms the aforementioned all-embracing akin of coverage, rather than accretion premiums.
Last year, added than 57,000 Maine bodies were able to admission life-saving bloom affliction through Medicaid expansion. With the Legislature, the Mills administering adequate analytical bloom protections for Maine bodies through L.D. 1 and implemented a absolute decree biologic ameliorate package.
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With this bill, the administering is architecture on that advance to advance bloom allowance for Maine bodies and baby businesses. As the governor said aftermost week, the Made for Maine Bloom Advantage Act offers businesslike solutions tailored to the needs of Maine people. If enacted, it would represent a above footfall against accouterment abatement from complicated, aerial bloom affliction costs for Maine bodies and baby businesses. We attending advanced to allowance accomplish that happen.
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