Archive for March, 2014

Comparison of City of Memphis Health Care Cost to Obamacare

Monday, March 31st, 2014

March 31, 2014

 

Comparison of City of Memphis Health Care Cost to Obamacare

It is fascinating to watch the Affordable Care Act (Obamacare) deadlines pass, the specific provisions of the law get changed and the media spin go round and round. I decided to look at the current City of Memphis health care costs and compare it with Obamacare bronze, silver, gold,Platinum and catastrophic health plans.

First the City of Memphis three plans, Basic, Premier and Value plans.

Plan Type                  Annual Cost to Employee             Annual Cost to Taxpayers

Basic single                           $1944                                                            $6480

Basic Plan family                 $4127                                                            $13757

Premier single                     $2109                                                            $7030

Premier family                    $4260                                                            $14201

Value Plan single                $1008                                                            $3360

Value Plan family               $3540                                                            $11800

Annual Deductible In Network

Basic Plan Single                                         $350

Basic Plan Family                                        $1050

Premier Plan Single                                   $100

Premier Plan Family                                  $300

Value Plan Single                                        $1500

Value Plan Family                                       $3000

Co-Insurance Hospital and Other Services

Basic Plan                                         10% You, 90% Plan

Premier Plan                                    0% You, 100% Plan

Value Plan                                        30% You, 70% Plan

Annual Out Of Pocket Maximum

Basic Plan                                         Sgl $1500, Family $3000

Premier Plan                                    Nothing

Value Plan                                        Sgl $3000, Family $6000

Office Visit and Hospital

Basic Plan- (Primary Care Physician (PCP) and Specialist, 10% after deductible, Plan 90%)

Premier Plan- ($20 for PCP, $40 Specialist + deductible, Plan 100%)

Value Plan- (30% after deductible, Plan 70%)

There are other items as shown on the attached sheet but these are the major items. These look like good deals for City employees but depending on income, some may do better on Obamacare.

Now as to Obamacare, it is very difficult to get comparable figures because they do not want you to know until you submit all your (more…)

Health Care At Local Public Employers Under Obamacare

Tuesday, March 25th, 2014

March 24, 2014

Health Care At Local Public Employers Under Obamacare

There was a fascinating presentation last Tuesday at the City of Memphis Executive Committee meeting. Shea Flinn introduced Stuart Collier of Collier Insurance who introduced Eric Hellman of Continuous Health.

Mr. Hellman’s presentation sought to explain Obamacare’s effect on health care and particularly its possible effect on health care costs for the City of Memphis and by the same token, Shelby County and the MLGW. It was a well done presentation and you can see his power point presentation here and also you can go to the City of Memphis website and see and hear the videotaped presentation (http://memphis.granicus.com/MediaPlayer.php?view_id=6&clip_id=4157).

It was long but very informative. What I got out of what he was saying is that the Affordable Care Act (Obamacare) opens up the possibility of reducing cost for the City of Memphis by letting lower paid employees go to the state exchanges to get subsidized coverage. That means the taxpayers, nationwide, will pick up part of our heath care cost.

There are four main points in Obamacare as it was originally signed. (Of course it changes day to day with executive orders).

  • All employees working 30 hours per week or more must be covered.
  • The coverage provided must be affordable. Affordable means it must pay at least 60% of the average medical costs of what the Department of Health and Human Services determines to be a standard population.
  • Obamacare limits the amount an employee can be required to pay towards the annual health insurance premium to 9.5% of the employee’s household income.
  • Obamacare requires coverage to be affordable and for those employees whose annual income is less than 400% of the Federal Poverty Level, Obamacare provides a federal tax credit to partially subsidize the purchase of insurance in a public exchange. This translates to individuals with incomes up to $44,680 and to families of four with incomes up to $92,200.

Confused? What a monster these DC politicians have created. However I think Collier and Hellman should be hired to present their (more…)

Correction To Common Core Meeting Time

Wednesday, March 12th, 2014

March 12, 2014

Correction To Common Core Meeting Time

 

I received a notice that the original meeting start time (6:30 PM on Friday, March 14th, 2014) was a typo error and that the real time start is 5:30 PM. The meeting is still at White Station Church of Christ, 2nd Floor, 1106 Colonial Road. The Church is between Quince and Park on Colonial Road and is the church where early voting is normally held.

It is interesting and informative that this morning in the Commercial Appeal is the following article about what Governor Haslam has to say about Common Core. He is apparently feeling the public’s heat on Common Core. Let’s turn up the heat and I hope to see you at this Friday’s meeting about the dangers of common core. Thanks for your interest in this important subject.

Common Core Educational Standards-Good Or Bad?

Monday, March 10th, 2014

March 10, 2014

Common Core Educational Standards-Good Or Bad?

 

This is a subject that I consider more important than even pension reform. This will determine the educational level of our children and grandchildren and the future of our country both economically and from a freedom standpoint.

What Common Core purports to do is set a uniform school curriculum across the country leading to uniform testing and higher standards. What it is fact will do, if fully implemented, is take local control out of the hands of local school boards and particularly out of the hands of parents.

In my 10 years of “OPEN RECORDS ADVOCACY” I have come to the opinion that the most difficult people to get open records information from is local school bureaucrats, starting with the old Memphis School System and now the new Shelby County School bureaucracy which acts much like the old City of Memphis School bureaucracy.

This coming Friday evening Mrs. Karen Lamoreaux (Arkansas) will speak from 6:30 PM to 8:30 PM at White Station Church of Christ, 2nd floor, 1106 Colonial Road. Listen to her in a short youtube video as she took apart the local school board.

http://www.youtube.com/watch?v=wZEGijN_8R0

Please try to be there and learn what she is doing in Arkansas and nationwide.

This is a person who knows what is going on and we need to listen to her and take local action on our own school board. I feel her frustration as it is very difficult to get through the bureaucracy and get results.

Within the last few months I asked the Shelby County School System for the following information.

“I would like to have access to and view all data requests regarding data that the school system is collecting on the students. I would like to know if this data is requested and collected from the students directly without parental involvement or if the parents are requested to furnish this information or data and if this information is voluntary or required of the students or parents.

Their answer was the following.

“Your request is not granted because it is not understood.”

(more…)

Flying In Or Out Of Memphis

Tuesday, March 4th, 2014

March 4, 2014

Flying In Or Out Of Memphis

Yesterday I sent a letter to the editor of Commercial Appeal and it was published. It is shown below. As I read some of the reader comments to the letter, I was criticized for not being supportive of the new parking garage and for the future of Memphis. Believe me I want Memphis to grow and succeed and to get its fiscal house in order. Last week I asked for financial reports from the airport authority and while they were not published on the internet, they did send me electronically a huge list of Comprehensive Annual Financial Reports (CAFRs), a recent S&P credit rating report and lots of other information. All of this should be on their website but currently is not posted.

Here is some of the relevant data.

In the year 2000 we had 10.6 total passengers. In 2007 we had about the same numbers of total passengers. In 2013 we had 5.5 million passengers. Yet in 2001 they were planning the three story parking garage addition. In 2007 they stated in the CAFR that the new garage would proceed at a cost of $70 million dollars. Forward to 2009 and read the Memphis Business Journal article (more…)