For Immediate Release
Date: Aug 12th, 2013
Contact: Dr. Ted Logan, Jr.
The Affordable Care Act: What does it mean for Our Members?
What is the impact of the Affordable Health Care Act? I don't know. In fact, I don't know anyone who knows. There are entire books written and published on "Obama Care." Elected officials spar continuously over the merits and demerits of the Act. Many elected officials voted this Act into law without ever reading the bill. They "passed the bill in order to see what was in it." Is it any wonder why it is so confusing to business and common citizens? One fact I know. The law goes into effect in 2014.
Another fact: Insurance carriers are gearing up now for the 2014 start-up. As renewals occur, policies are being revised and rates are being revised. Carriers, agents, businesses, and yes, associations are being pressed to develop and negotiate suitable plans. The following is an effort to share with members of the Kentucky Dental Association what I think the bill means to us.
An association must be declared "bona-fide" in order for its members to be grouped and avoid having to purchase insurance through an exchange. This declaration must be acceptable to the insurance carrier's legal department who are ultimately responsible to the federal government. Therein lies the first hurdle. KDAIS (Kentucky Dental Insurance Services) anticipates $15,000 to $20,000 in legal fees to prove that we are a bona-fide association. Why is this important? The exchange premium rates are expected to be considerably greater than association rates. KDAIS is working diligently to assure that the KDA is, in fact, a bona-fide association.
The Affordable Care Act is based on community rating. This essentially means that sick and well policy holders are all grouped together. Therefore, those who are not sick and tend not to use their health insurance must pay for those who do use their insurance to the limits. Associations are not community rated. It follows that exchange premiums will be higher than association premiums.
Insurance carriers understand community rating. To protect themselves, several changes will occur.
In the KDA plan, Medicare is mandatory at age 65.
Medicare is secondary insurance.
The Anthem association policy becomes primary. Therefore, premiums will skyrocket.
It follows that the KDA association plan is no longer feasible for seniors. The solution is to move out of the KDA plan and into a private Medicare supplement plan. KDAIS can accomplish this for you. If you were previously in the KDA plan, you will not incur a penalty for Medicare Part D (prescription drugs).
One Person Groups
KDAIS has already been notified that one person groups will no longer qualify for participation in the association group plan. As of July 1, 2013, two persons (two contracts) are required for an acceptable group. The short notice was a real problem for our members. KDAIS was able to negotiate with Anthem to allow one more year to come into compliance. That means one person groups may continue until July 1, 2014. It also means, that, if you are in this situation, you should be planning for this change, now.
Every participant in the KDA association plan must renew on July 1 of every year.
Every dental office must have a 60 day waiting period for new hires. This means that a new dentist can participate immediately upon subscription to the plan. However, all others must wait until the first day of the month after a sixty day period to participate.
COBRA laws apply to every dental office.
Subscriber Benefit Comparisons must be distributed to each participant. These comparisons are derived by the Federal Government. The documents must be retrieved from the Anthem website. Instructions have-been e-mailed by KDAIS.
The Kentucky Dental Association will be considered a large group by the Affordable Care Act. This results in yet another assignment for dental offices. Dentist employers must abide by COBRA laws. Compliance will probably require a third party specialist to maintain appropriate records. Your KDAIS has negotiated a contract with a specialist company, Benefits Management Services. The KDA will assume the master plan. This means that there will be no start up fees for the dentist. Start up fees and administration fees will be absorbed by the KDA. The dentist will be responsible for monthly fees on a per participant basis. These negotiated fees are only available to dentists participating in the association plan through KDAIS.
Participants in the association plan will be receiving lots of important information from ABS in the near future. It is imperative that you read the information and return requested information. Non-compliance with COBRA is subject to heavy fines.
Is there anything good about the Affordable Care Act? I have a difficult time finding much.
- Dependants can remain on their family’s plan until age 26.
- Mental health parody.
- Preventive coverage.
However, there are some good things about being a member of the KDA and participating in its insurance programs.
- It is anticipated that participation in the association plan will be markedly less than participation in the exchange.
- KDAIS has assumed the formidable task of wading through the Affordable Care Act as it pertains to KDA members.
- The COBRA quagmire has been resolved by KDAIS.
- Members who, currently, do not participate in KDAIS programs, now have every reason to do so. This will favorably impact our non-dues revenues. It follows that KDA dues will be favorably impacted.
KDA membership and recruitment efforts should be enhanced.
Understand that your premiums for health insurance are going to rise because of the Affordable Care Act. It is a matter of how you negotiate the troubled waters. The association plan appears to be your best path with the least amount of pain. You are ultimately responsible for your own destiny.
Some members will find themselves out of the association plan altogether. This may result from personal choice or from disqualification. Know that KDA and its insurance arm, KDAIS, are not the culprits here. The federal government and its Affordable Care Act are solely responsible. The solution to disqualification is to contact Kim Logan at KDAIS and get assistance in finding the best individual plan for you.
I am 68 years old. I am retired. I had Medicare and the KDA association plan until July 1, 2013. Medicare became secondary. This caused my total health care premiums to rise more than 100 per cent. My exchange premiums were expected to be even higher. I may also lose all coverage for my expensive drug. My drug support card does not work with Medicare. What is an old man to do?
I called Kim at KDAIS and worked out a plan that includes Medicare, Anthem and Humana and saved more than $2,000 from my 100 per cent increase. Still a lot more than what I paid last year, but a marked improvement over what it could have been. The point here is to make the best out of a bad thing. KDAIS can help you do that.
If you would like to read the law for yourself, go to HHS.gov/HealthCare at http://www.hhs.gov/healthcare/rights/index.html
Click on any title below to read the press release. The release will open up in a new browser window with no menus or images, so that you may print or copy the press release without extraneous graphics.
|Feb 16th, 2017||Trends in Dentistrythe More Things Change, the More they Stay the Same|
|Feb 16th, 2017||KDA Editor Wins Prestigious William J Gies Award Editorial Award|
|Feb 16th, 2017||A Look Ahead|
|Feb 16th, 2017||Celebrate the Best in Everyone!|
|Feb 16th, 2017||Still Much to Do and Many Changes on the Horizon|
|Feb 2nd, 2017||Association Glove Program: 2017 First Quarter Specials|
|Dec 20th, 2016||I Used To Be a Libra |
|Dec 20th, 2016||Political Slogans and Other Words to Live By|
|Dec 20th, 2016||Whats in Your Water?! |
|Dec 20th, 2016||Membership is the Key to Our Future and the Responsibility of All: Our Own Members are Our Best Recruitment Tool|
|Oct 24th, 2016||Happy Trails from the Mountains of Eastern Kentucky|
|Oct 24th, 2016||Our KDA Foundation is Small, but We CAN Make a Difference|
|Oct 24th, 2016||Kentucky Dental Foundation Board Members Work to Establish Goals and Priorities to Ensure a Bright Future|
|Oct 24th, 2016||You Cant Always Get What You Want|
|Oct 10th, 2016||October is Breast Cancer Awareness Month: Simple Steps Women Can Take to Reduce the Odds of Developing Breast Cancer|
|Sep 12th, 2016||Does Frankfort Need a Better Understanding of our Medicaid Population?|
|Sep 12th, 2016||Lets Move!|
|Sep 12th, 2016||Bonus Points May Not Be Enough|
|Sep 12th, 2016||Understanding the Aging Phenomenon/The Aging Tsunami: Demographic Imperative|
|Sep 12th, 2016||Aging and Frailty Basics|
|Sep 12th, 2016||Polypharmacy: A Geriatric Syndrome with Serious Implications for Oral Health|
|Jun 14th, 2016||Pigs in Space|
|Jun 14th, 2016||Half Way through 2016 and Still a year to Go...|
|Jun 14th, 2016||What Can I Tell You?|
|Jun 14th, 2016||Women Rising: The Unseen Barriers|
|Apr 15th, 2016||Survivor Stories: How to Endure the Rank of New Dentist and Live to tell about it|
|Apr 15th, 2016||Love Never Fails|
|Apr 15th, 2016||A Grateful Heart|
|Apr 15th, 2016||Dentistry is Our Life's Work - Be passionate!|
|Feb 12th, 2016||Be PROACTIVE and Rededicate Yourself to Membership in our Tripartite Organization|
|Feb 12th, 2016||My New Years Resolution|
|Feb 12th, 2016||# the future is not what it used to be|
|Feb 12th, 2016||NOW is the time to belong to the KDA!|
|Dec 28th, 2015||Meet the Bevins|
|Dec 28th, 2015||You Can Keep Our Momentum Moving Forward|
|Dec 28th, 2015||Measuring the Burdon of Ethics |
|Dec 28th, 2015||Downtown Fun. If You Dont Believe Us, Come See!|
|Dec 28th, 2015||Highlights of the 2015 ADA House of Delegates|
|Nov 23rd, 2015||Delta Dental of Kentucky Hints at a Large Statewide Project in the Works for 2016 at the Kentucky Oral Health Summit|
|Oct 27th, 2015||Scary Good Web Design Tips From Officite|
|Oct 15th, 2015||Medicaid Work Group Update|
|Oct 15th, 2015||Just the Facts: Kentucky Meeting Changes Create Confusion|
|Oct 15th, 2015||Our New Mission will require the Efforts of All|
|Oct 15th, 2015||Oral Health Literacy as a Primary Goal and Not an Afterthought |
|Oct 15th, 2015||Still Crazy after Just One Year|
|Oct 15th, 2015||Womens Forum Enjoys Perfect Weather, Perfect Setting and Engaging Dialogue!|
|Aug 14th, 2015||Calling ALL Members and Non-Members: We Need Organized Dentistry!|
|Aug 14th, 2015||Can You Hear Me, Now?|
|Aug 14th, 2015||First, Do No Harm?|
|Aug 14th, 2015||A Plan for Our Future, and a New Mission StatementHelping Member Dentists Succeed and Serve|
|Jun 23rd, 2015||My Introduction: A Smidge of Trepidation, Overwhelmingly Full of Pride and Anticipation|
|Jun 23rd, 2015||Irrelevance|
|Jun 23rd, 2015||Weve got a Plan!|
|Jun 23rd, 2015||Part II: The KDAs Dental Access Summit A Report|
|Jun 23rd, 2015||Our new KDA Mission: Helping Member Dentists Succeed and Serve|
|Jun 18th, 2015||Medicare Part D: Q&A - American Dental Association - May 29, 2015|
|Apr 28th, 2015||Thank You for the Opportunity|
|Apr 28th, 2015||Ask not What Your KDA Can Do for you|
|Apr 28th, 2015||The View from No Mans Land|
|Apr 28th, 2015||KDAS Dental Access Summit Saturday, January 31, 2015 Report to KDA Part I|
|Feb 20th, 2015||Think Big!|
|Feb 20th, 2015||Its all about the membership in 2015!|
|Feb 20th, 2015||For the Record|
|Feb 20th, 2015||Into the Belly of the Beast|
|Dec 29th, 2014||When Is the Right Time?|
|Dec 29th, 2014||Who Wouldnt Want to Be a Part of This?|
|Dec 29th, 2014||Things are Moving Faster than Fast!|
|Oct 24th, 2014||Dental Insurance Direct Deposit Through A Virtual Credit Card; What Does It Cost Me?|
|Oct 21st, 2014||Who Can I Hire for $100 a Month?|
|Oct 21st, 2014||Last Call|
|Oct 21st, 2014||Im here to Help|
|Oct 21st, 2014||Get passionate! This is Our Profession!|
|Oct 21st, 2014||Postscript for an Editors Passing|
|Oct 21st, 2014||and he did what?!: Giving a Professional Second Opinion|
|Aug 21st, 2014||Your KDA is Working Hard for You!|
|Aug 21st, 2014||Nobody Goes Into Dentistry Because They Love Molars!|
|Aug 21st, 2014||Synergy|
|Aug 21st, 2014||KENTUCKY HEALTH NOW: The GOALS of our GOVERNOR|
|Jun 16th, 2014||New Friendships and Lasting Connections Creating a Stronger Interest in Organized Dentistry|
|Jun 16th, 2014||New Friendships and Lasting Connections Creating a Stronger Interest in Organized Dentistry|
|Jun 16th, 2014||YOU HAD TO BE THERE!|
|Jun 16th, 2014||Denigration|
|Jun 16th, 2014||Think Big. Think Positively. Think Proactively.|
|Apr 24th, 2014||I Only Have A Loose Screw!|
|Apr 24th, 2014||Dare to Dream!|
|Apr 24th, 2014||I am the KDA! You are the KDA! WE are the KDA!|
|Apr 24th, 2014||The Dentists Guide to Social Media Marketing|
|Feb 20th, 2014||Go Tell It on the Mountains|
|Feb 20th, 2014||UofL Brightening the Smiles of Children|
|Feb 20th, 2014||UKCDs First Regional Dental Program: The First Ten Years|
|Feb 20th, 2014||Medicaid: An Example of Missing the Goals for Oral Health in Kentucky|
|Feb 20th, 2014||Where Do We Go From Here?|
|Dec 23rd, 2013||2014 Kentucky Meeting Details|
|Dec 23rd, 2013||Welcome Dental Students and New Dentists!|
|Dec 23rd, 2013||Listen to Interviews with our Speakers!|
|Dec 23rd, 2013||Teamwork Creates Champions: the Kentucky Meeting: March 13-16, 2014|
|Dec 23rd, 2013||Dr. John Thompson Awarded Distinguished Editor Award|
|Dec 23rd, 2013||It Is What They Left Behind|
|Dec 23rd, 2013||Letting the Secret Out|
|Oct 17th, 2013||I Still Like Maps!|
|Oct 17th, 2013||Ground Game|
|Oct 17th, 2013||Kentucky Department of Insurance, HB 497 and Non-covered Services|
|Oct 17th, 2013||Dr. Janet Faraci Lees Legacy|
|Oct 17th, 2013||Dr. Janet Faraci Lee Leadership Development Award|
|Aug 12th, 2013||The Affordable Care Act: What does it mean for Our Members?|
|Aug 12th, 2013||All Membership Is Local|
|Aug 12th, 2013||White Crosses|
|Aug 12th, 2013||KDA MembershipWhere Do We Go from Here?|
|Aug 12th, 2013||Thoughts from a New Dentist: the Top Three Reasons that I am Involved with Organized Dentistry|
|Aug 12th, 2013||How can KDAIS Benefit You, as a KDA member?|
|Aug 12th, 2013||Beyond the Website: Marketing on the Modern Web|
|Aug 12th, 2013||Delinquent Accounts.Collections..YUCK! |
|Aug 12th, 2013||Every Patient Matters. So Does Every Transaction.|
|Jun 13th, 2013||The Foundation of the Kentucky Dental Association: Positioned to Make a Powerful Statement|
|Jun 13th, 2013||Something I Wish I Didn't Know!|
|Jun 13th, 2013||Preaching to the Choir|
|Apr 15th, 2013||Participate in Your KDPAC! Contribute and Deliver|
|Apr 15th, 2013||The Pediatric Dental Benefit: Must Offer, May Purchase|
|Apr 15th, 2013||Exchange What?|
|Apr 15th, 2013||So Long, Farewell, Auf Wiedersehen, Adieu|
|Apr 15th, 2013||United We Stand, Divided We Fall|
|Feb 12th, 2013||The Tip of the Iceberg: Actions by the Kentucky Department for Medicaid Services Which May Sink KMAP|
|Feb 12th, 2013||Living Is What You Do When Life Gets In the Way|
|Feb 12th, 2013||A Profession in Flux|
|Feb 12th, 2013||Its a Dentist Thing|
|Oct 19th, 2012||Membership Matters|
|Oct 19th, 2012||House Bill 1 and What It Means to You|
|Oct 19th, 2012||Self-Regulation|
|Aug 21st, 2012||Sarrell Dental: Beyond the Operatory|
|Aug 21st, 2012||The Perception of Dentistry|
|Jun 18th, 2012||Leadership or Politics?|
|Jun 18th, 2012||What Part of the “Affordable Care Act” Has Been Affordable?|
|Jun 18th, 2012||I Had an Uncle…|
|Apr 6th, 2012||The "New Old" Still have Teeth|
|Apr 6th, 2012||Many Thanks for a Great and Memorable Year|
|Apr 6th, 2012||What a Year, so far!|
|Feb 21st, 2012||All for One and One for All!|
|Feb 21st, 2012||Happy New Normal|
|Dec 19th, 2011||The Wide World of Sports|
|Dec 19th, 2011||Access to Care?|
|Oct 28th, 2011||To the KDA Executive Board and the entire KDA|
|Oct 28th, 2011||Report of the Sixth District Trustee|
|Oct 18th, 2011||Managed Care and Dentistry in Kentucky: a Dentist’s Dilemma|
|Oct 18th, 2011||Word-of-Mouth on Steroids!|
|Oct 18th, 2011||Why We Shouldn't Lose Sight of Our Purpose...|
|Aug 4th, 2011||Mentor a Young Dentist and Change a Life|
|Aug 4th, 2011||OMG, what is EBD?|
|Aug 4th, 2011||CAPWIZ: Legislative Advocacy Made Easy|
|Jun 13th, 2011||Outside Our Line|
|Jun 13th, 2011||I Might Soon Be Coming to a Town Near You...|
|Apr 18th, 2011||Let Me Ask For a Minute of Your Time|
|Apr 18th, 2011||I Pledge to Be your Humble Servant…|
|Apr 18th, 2011||Blindsided|
|Apr 18th, 2011||On Your Side, Not Your List|
|Feb 17th, 2011||Dr. Andy Elliott for President-elect of the American Dental Association|
|Feb 4th, 2011||Adjusting Attitudes|
|Feb 4th, 2011||A Little Planning Really Helps|
|Jan 4th, 2011||Dental Management of Patients Taking Antiplatelet Medications|
|Nov 30th, 2010||Holiday Greetings to All|
|Nov 30th, 2010||Delegates Report from the 2010 American Dental Association House of Delegates, Orlando, Florida|
|Nov 30th, 2010||Dental Education Found Worthy|
|Oct 25th, 2010||Delegates Report from the 2010 American Dental Association House of Delegates, Orlando, Florida|
|Oct 7th, 2010||We Need To Do a Better Job of Communicating|
|Oct 7th, 2010||What If …?|
|Oct 7th, 2010||I’m in a Hurry!|
|Oct 7th, 2010||Who Will Speak for Me?|
|Oct 7th, 2010||What Happens in Alaska, doesn’t Stay in Alaska|
|Aug 6th, 2010||Kentucky's Dental Practice Act: The Passing of an Old Friend|
|Aug 6th, 2010||The Times They Are Changing|
|Jun 10th, 2010||How a Star was Born|
|Jun 10th, 2010||I Need Your Help…|
|Apr 20th, 2010||President's Message MA 2010|
|Apr 20th, 2010||KDA and Louisville Water Company Share 150th Birthday and Public Health Vision|
|Apr 20th, 2010||Getting It Right!|
|Feb 25th, 2010||What is a Legacy?|
|Feb 25th, 2010||Please Join Us for an Exciting, Event-Filled Year Ahead!|
|Dec 14th, 2009||Holiday Reflections…|
|Dec 14th, 2009||Challenging the Myth of the Suicide-Prone Dentist|
|Dec 14th, 2009||There is Hope: Suicide Awareness and Prevention in Kentucky|
|Nov 6th, 2009||Don’t Balance Health Care Books by Shortchanging Physicians|
|Nov 6th, 2009||Break your Right Arm and Suddenly You have Time to Study Economics.|
|Jun 26th, 2009||Making the World a Better Place, One Village at a Time!|
|Apr 13th, 2009||Breaking Glass|
|Feb 20th, 2009||At the Heart of any Worthy Project is a Committed Volunteer|