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OP-ED: Big Insurance Must Help End Surprise Medical Billing

NNPA NEWSWIRE — Known as “surprise medical billing,” these unexpected costs arise when a patient goes to a hospital for emergency or non-emergency care, only to find out afterwards that one of the medical providers who administered care was not covered in the patient’s insurance network.

Published

4 years ago

February 24, 2020

Oakland Post

In the U.S. House of Representatives, Ways and Means Committee Chairman Richard Neal (D-Ma.) predicted that health insurers would do little more than look out for their own interest if they were given the authority to set rates for out-of-network providers. (Photo: iStockphoto / NNPA)

By Dr. Benjamin F. Chavis, Jr., National Newspaper Publishers Association President and CEO

It is a serious financial problem that far too many African Americans – from impoverished individuals to working-class families — face these days in the bewilderingly complicated health-care market: Getting hit with an unexpected bill after a hospital stay or visit to the emergency room.

Known as “surprise medical billing,” these unexpected costs arise when a patient goes to a hospital for emergency or non-emergency care, only to find out afterwards that one of the medical providers who administered care was not covered in the patient’s insurance network.

This outrageous situation benefits one group and one group alone: powerful insurance executives, who have managed to get off the financial hook for such bills, even as insurers shrink insurance coverage networks to wring more and more profits out of the system.

But this predatory practice is overwhelming to a family already dealing with the emotional and financial burdens of a medical crisis, typically adding thousands of dollars in unexpected expenses that can wipe out savings accounts or otherwise strain tight household budgets.

So, what can be done to stop and end surprise medical billing?

The good news is that both Republicans and Democrats in Congress agree that legislation is needed to protect patients against unexpected medical charges. But as with many complicated issues confronting Congress, lawmakers have been divided on the details of such legislation.

Part of the paralysis in Congress stems from confusion and disinformation, as insurance executives and their allies try to frame the debate to their advantage.

When Congress tried to address the issue last year, for example, the insurance lobbying machine swung into action, attempting to place the blame for surprise bills on out-of-network medical providers who end up having to charge patients when insurers refuse to cover a medical bill.

Big insurance almost got its way in that legislative debate when a handful of lawmakers threw support behind a legislative proposal that would shield insurance companies from paying what they ought to pay. The legislation, championed by Sen. Lamar Alexander (R-Tenn.), specifically called for setting benchmarked rates for out-of-network medical providers.

But far from solving the problem, this approach would make matters worse. It not only frees insurers from their responsibilities. It fails to compensate providers for the cost of the care that they actually provide. And that, in turn, means either patients will get stuck with the bill or medical providers will have to absorb big losses that ultimately jeopardize their ability to stay in business.

Fortunately, the proposed bill stalled after the medical community warned that the benchmarked rate favored by the insurance industry would allow insurers to exert a new troubling level of control over health-care prices and the larger health-care delivery system.

Now, as Congress begins to take up the issue once again, health insurance companies that evaded significant scrutiny last year seem to be drawing close scrutiny now, both inside and outside of Washington.

Speaking to a group of faith leaders and policymakers in South Carolina, an important stop for the 2020 Democratic presidential primary, Reverend Al Sharpton criticized the surprise medical billing legislation backed by insurers and stressed the urgent need to deal with the continued lack of access to adequate health insurance coverage for minority communities.

“Washington is getting it wrong,” he wrote in an opinion piece published after his South Carolina trip, adding that the bill introduced by “Sen. Lamar Alexander (R-Tenn.) to `solve’ the surprise billing problem would literally insulate insurance companies from covering these costs, at a time when profits for insurance companies have reached record highs.”

“My concern with giving too much weight to such a benchmark rate is that we already know insurers are looking for any way they can to pay the least amount possible,” he said. “They will work to push those rates down, regardless of what it means for community providers like physicians, hospitals, and our constituents who they employ.”

There were similar concerns in the U.S. Senate, where Senator Bill Cassidy (R-La.) warned that insurers began gaming the system in California once benchmarking rates became the law of the land in that state in 2016.

“Insurance companies cancel contracts and then they have the negotiating power and they establish” their own rate, he said, adding that such benchmarking of rates would likely put hospitals “out of business.”

It’s worth noting that lawmakers are raising such concerns despite the considerable backing the insurance-industry legislation has had from two powerful lawmakers: Senator Alexander, chairman of the Senate Committee on Health, Education, Labor, and Pensions; and Frank Pallone, the chairman of the House Energy and Commerce Committee, whose jurisdiction includes health care issues.

More than that, Senator Cassidy introduced legislation that would eliminate surprise medical billing by establishing an arbitration system between insurers and providers — rather than sticking the disputed medical charges to patients. And that legislation is gaining strong bipartisan support, as is a similar bill in the House that is being advanced Representative Phil Roe (R-TN) and Representative Raul Ruiz (D-CA), both of whom are doctors.

Surprise medical billing is a problem we can no longer ignore, particularly at a time when roughly two-thirds of Americans say that they are concerned about their ability to pay for an unexpected medical expense for themselves or for a family member. And this practice it is especially hard on African Americans and other people of color in the U.S. who already face significant barriers to health care and who generally receive lower quality of care than the rest of the nation.

Congress has an opportunity to make things right by ending the practice of surprise medical billing. Black Americans and all others in America shouldn’t be saddled with exorbitant bills that they had no reason to expect – and that impose an unjust financial burden.

Dr. Benjamin F. Chavis, Jr. is President and CEO of the National Newspaper Publishers Association (NNPA) and can be reached at dr.bchavis@nnpa.org

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WATCH LIVE! — NNPA 2023 National Leadership Awards Reception

NNPA NEWSWIRE — Welcome to the NNPA 2023 National Leadership Awards Reception
The post WATCH LIVE! — NNPA 2023 National Leadership Awards Reception first appeared on BlackPressUSA.

Published

5 days ago

September 22, 2023

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The post WATCH LIVE! — NNPA 2023 National Leadership Awards Reception first appeared on BlackPressUSA.

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OP-ED: Delivering Climate Resilience Funding to Communities that Need it the Most

NNPA NEWSWIRE — Just last month, FEMA announced nearly $3 billion in climate mitigation project selections nationwide to help communities build resilience through its Building Resilient Infrastructure and Communities (BRIC) national competition and Flood Mitigation Assistance program. In total, more than 50% of these projects will benefit disadvantaged communities, and in particular, 70% of BRIC projects will do the same.
The post OP-ED: Delivering Climate Resilience Funding to Communities that Need it the Most first appeared on BlackPressUSA.

Published

6 days ago

September 22, 2023

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By Erik A. Hooks, FEMA Deputy Administrator

We know that disasters do not discriminate. Yet, recovery from the same event can be uneven from community to community, perpetuating pre-existing inequalities. Recognizing these disparities, FEMA and the entire Biden-Harris Administration have prioritized equity when it comes to accessing federal programs and resources.

The numbers tell the story.

Just last month, FEMA announced nearly $3 billion in climate mitigation project selections nationwide to help communities build resilience through its Building Resilient Infrastructure and Communities (BRIC) national competition and Flood Mitigation Assistance program. In total, more than 50% of these projects will benefit disadvantaged communities, and in particular, 70% of BRIC projects will do the same.

These selections further underscore the Biden-Harris Administration’s commitment to equity and reaffirm FEMA’s mission of helping people before, during and after disasters, delivering funding to the communities that need it most.

Building on this momentum and our people-first approach, FEMA recently announced the initial designation of nearly 500 census tracts, which will be eligible for increased federal support to become more resilient to natural hazards and extreme weather worsened by the climate crisis. FEMA will use “Community Disaster Resilience Zone” designations to direct and manage financial and technical assistance for resilience projects nationwide, targeting communities most at risk due to climate change. More Community Disaster Resilience Zone designations, including tribal lands and territories, are expected to be announced in the fall of 2023.

These types of investments have, and will yield a significant return on investment for communities nationwide.

For example, in my home state of North Carolina, the historic community of Princeville, founded by freed African American slaves, uses BRIC funding to move vulnerable homes and critical utilities out of flood-prone areas.

In East Harlem, BRIC dollars will provide nature-based flood control solutions to mitigate the impacts of extreme rainfall events in the Clinton low-income housing community.

While we are encouraged by these investments, we know more must be done.

Not every community has the personnel, the time or the resources to apply for these federal dollars. Fortunately, FEMA offers free, Direct Technical Assistance to help under-resourced communities navigate the grant application process and get connected with critical resources. Under the leadership of FEMA Administrator Deanne Criswell, this assistance has been a game-changer, reducing barriers and providing even more flexible, customer-focused, tailored support to communities interested in building and sustaining successful resilience programs.

In Eastwick, Philadelphia, FEMA’s dedicated support helped the city with outreach to multiple federal agencies. Together, we built a comprehensive community-led flood mitigation strategy. When applied and implemented, this will make this community more resilient to hazards like flooding, which was negatively affecting many neighborhood blocks.

In DePue, Illinois, we worked hand-in-hand with communities to improve their ability to submit high-quality funding applications for hazard mitigation projects. We are happy to share that DePue is the first Direct Technical Assistance community to be selected in the BRIC national competition. And, we know they will not be the last. Thanks to this assistance and their ambition, DePue was awarded more than $20 million to build a new wastewater treatment plant, which will reduce flooding and raw sewage back-up into the basements of homes.

In total, our agency is working with over 70 communities, including tribal nations, to increase access to funding for mitigation projects that will make communities more livable and resilient.

With extreme weather events becoming increasingly intense and frequent due to climate change, we must keep pressing forward and continue investing in ways to better protect ourselves and our neighbors. And we are encouraged that local officials are engaging with us to learn more about the benefits of the BRIC non-financial Direct Technical Assistance initiative—just last week, we saw hundreds of participants nationwide register for a recent webinar on this important topic.

We want to see even more communities take advantage of this initiative, and, ultimately, obtain grants for innovative and forward-looking resilience projects. To that end, FEMA recently published a blog with five steps to help local communities and tribal nations learn more about the benefits of this non-financial technical assistance to access federal funding. I hope your community will take action and submit a letter of interest for this exciting opportunity and increase meaningful mitigation work throughout the country.

With the pace of disasters accelerating, communities can utilize federal resources to reduce their risk and take action to save property and lives. FEMA stands ready to be a partner and collaborator with any community that is ready to implement creative mitigation strategies and help build our nation’s resilience.

The post OP-ED: Delivering Climate Resilience Funding to Communities that Need it the Most first appeared on BlackPressUSA.

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Tale of Two Underground Railroad Communities

ARIZONA INFORMANT — Prior to the Civil War, many communities in the Ohio River Valley were a part of an elaborate system that provided resources and protection for enslaved persons from Southern states on their journey to freedom. Once someone crossed the Ohio River, they traveled along unknown terrain of trails to safe houses and hiding places that would become known as the Underground Railroad.
The post Tale of Two Underground Railroad Communities first appeared on BlackPressUSA.

Published

1 week ago

September 20, 2023

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By Christopher J. Miller, Sr. Director of Education & Community Engagement, National Underground Railroad Freedom Center

Christopher J. Miller

September is International Underground Railroad Month.

This proclamation began in the State of Maryland in 2019, and now more than 11 States officially celebrate one of the most significant eras in U.S. history. With the signing of Ohio HB 340 in June 2022, Ohio became the 12^th state to designate September International Underground Railroad Month.

Many history enthusiasts and scholars hope the momentum of the proclamation spreads to other states so that all our forebears of freedom are remembered.

Examining this era, you find that the Ohio River Valley is instrumental in the many narratives of freedom seekers. These stories are critical to our understanding of race relations and civic responsibilities.

Before the Civil War, many communities in the Ohio River Valley were part of an elaborate system that provided resources and protection for enslaved persons from Southern states on their journey to freedom. Once someone crossed the Ohio River, they traveled along unknown terrain of trails to safe houses and hiding places that would become known as the Underground Railroad.

Gateway to Freedom sign

The Underground Railroad was comprised of courageous people who were held to a higher law that confronted the institution of slavery with acts of civil disobedience by helping freedom seekers elude enslavers and slave hunters and help them get to Canada.

Many communities were a force for freedom along the more than 900-mile stretch of the Ohio River Valley, but I would like to focus on two significant communities.

Southern Indiana was a major part of this history. It was originally believed that there were from Posey to South Bend, Corydon to Porter, and Madison to DeKalb County, with many stops in between.

In further examination, the Underground Railroad in Indiana was a web of trails through the forests, swamps, briars, and dirt roads. The city that is often overlooked in reflecting on the history of the Underground Railroad is New Albany, Indiana.

By 1850, New Albany was the largest city in Indiana, with a population of 8,632. Free Blacks accounted for 502 of that population. Across the river, Louisville was Kentucky’s largest city, with a population of 42,829. A quarter of the 6,687 Black population were free in Louisville.

Town Clock Church (aerial view)

Louisville and New Albany would grow to become a significant region for Underground Railroad activity. People like Henson McIntosh became a prominent community member and major Underground Railroad conductor. McIntosh was one of approximately ten Underground Railroad agents in New Albany who used their wealth and influence to impact the lives of freedom seekers crossing the Ohio River.

The Carnegie Center for Art & History is an outstanding resource that continues to preserve New Albany’s role during the Underground Railroad era. Approximately 104 miles east along the Ohio River is another institution that plays a critical role in elevating the profile of the Underground Railroad on a national scope.

Inside Town Clock Church New Albany Indiana safe house

The National Underground Railroad Freedom Center is located on the banks of the Ohio River in Cincinnati, Ohio.

By 1850, Cincinnati would grow to be the 6^th largest city in the Union, with a sizable Black population.

The Freedom Center is prominently located in the heart of a historic Black community called Little Africa. Although the community no longer exists, its legacy lives on through the Freedom Center.

As with New Albany, the community that resided along the banks of the river served an important role in the story of the Underground Railroad. Little Africa was the gateway to freedom for thousands of freedom seekers escaping slavery.

Although there were Underground Railroad networks throughout the country, Ohio had the most active network of any other state, with approximately 3,000 miles of routes used by an estimated 40,000 freedom seekers that crossed through Little Africa.

Despite the growth of enslavement leading up to the Civil War, communities such as Little Africa and New Albany reveal the realities regarding race relations and a model for the dignity of human life through their respective efforts to be kind and resilient friends for the freedom seekers.

For More Information:

National Underground Railroad Freedom Center – https://freedomcenter.org/

Cincinnati Tourism – https://www.visitcincy.com/

Carnegie Center for Art & History – https://carnegiecenter.org/

Southern Indiana Tourism – https://www.gosoin.com/

The post Tale of Two Underground Railroad Communities first appeared on BlackPressUSA.