$1 million per homer? $27,000 a point? $229 per second? Sports is loaded with money oddities If Juan Soto replicates his 2024 performance throughout his $765 million, 15-year deal with the Mets, he'll make roughly $1.2 million for every home run he hits. He's hardly the only superstar athlete earning outrageous sums for each of his accomplishments. Some NFL quarterbacks make more than $3 million per game. Stephen Curry could make roughly $161,000 per 3-pointer. This past regular season, Lionel Messi earned $229 for every second he was on the field with Inter Miami. Is the College Football Playoff bracket fair? Here are some tweaks that would have changed things The committee that chose the 12 contenders for college football’s national title was only worried about ranking the teams. Where those teams landed in the bracket was based on a formula created by conference commissioners. That jumbled up the pairings and made a strong case for tinkering in the future. Some possible tweaks, like reseeding after the first round or not giving conference champions automatic byes, would have resulted in a vastly different tournament this year, Belichick says he's had 'good conversations' with UNC chancellor amid Tar Heels' coaching search Former New England Patriots coach and six-time Super Bowl champion Bill Belichick says he had “a couple of good conversations” with North Carolina Chancellor Lee Roberts amid his discussions about the Tar Heels’ head-coaching job. Belichick appeared on ESPN's “The Pat McAfee Show" on Monday. He said he had spent the 11 months since his departure from the Patriots taking a “longer look” at the college level. He said he had learned a lot and had “a couple of good conversations" with Roberts. UNC fired the program's all-time winningest coach in Mack Brown last month. Cowboys set to host Bengals under open roof after falling debris thwarted that plan against Texans ARLINGTON, Texas (AP) — The roof at the home of the Dallas Cowboys has opened without incident and will stay that way for a Monday night meeting with the Cincinnati Bengals. It will be the first game with the roof open at AT&T Stadium since Oct. 30, 2022. The roof was supposed to be open three weeks ago for Houston’s 34-10 victory on another Monday night. A large piece of metal and other debris fell roughly 300 feet to the field as the retractable roof was opening. The roof was then closed for that game. Tennessee grabs No. 1 in AP Top 25 after shakeup; No. 3 Iowa State has highest ranking since 1950s Tennessee is the new No. 1 in men's college basketball after a massive shakeup in the AP Top 25. The Vols are No. 1 for the first time since the 2018-19 season. Auburn remained No. 2 and No. 3 Iowa State has its highest ranking since 1956-57. Kentucky rounds out the top five. Tennessee is off to its best start since opening the 2000-01 season 9-0. Georgia QB Carson Beck's status for Sugar Bowl uncertain as he considers treatment options on elbow ATLANTA (AP) — Quarterback Carson Beck’s status for No. 2 Georgia’s Sugar Bowl College Football Playoff quarterfinal is uncertain after he suffered an elbow injury in Saturday’s Southeastern Conference championship game win over Texas. Georgia announced Monday there is no timetable on Beck’s return as he and his family explore treatment options. Georgia coach Kirby Smart said Sunday the team was awaiting results of tests. The school did not announce details of the injury. Punter Brett Thorson will need season-ending surgery after injuring his non-kicking leg. Backup Gunner Stockton likely would start in the Sugar Bowl if Beck is unable to play. Another final-second victory puts the Chiefs in prime spot to secure AFC's No. 1 seed: Analysis A thunderous doink helped the Kansas City Chiefs gain some breathing room in the race for the No. 1 seed in the AFC after the Buffalo Bills fell short despite Josh Allen’s spectacular performance. The fight for the top spot in the NFC stayed close as the Minnesota Vikings and Philadelphia Eagles kept pace with the Detroit Lions. Four weeks remain in the NFL regular season to determine the playoff picture. There’s a clear leader in the fight for the AFC’s bye. The two-time defending Super Bowl champion Chiefs are 12-1 and in excellent position to secure home-field advantage throughout the playoffs after a 19-17 win with a last-second field goal over the Los Angeles Chargers. No. 19 Tennessee back in women's AP Top 25 after year out of poll; UCLA, UConn remain 1-2 Tennessee is back in the AP Top 25 at No. 19, ending the school’s longest drought in the 48-year history of the women’s basketball poll. The Lady Vols (7-0) had not been ranked since Nov. 27, 2023, a span of 22 polls. Since the rankings began in 1976, Tennessee has been in the Top 25 in 779 of 870 total weeks. UCLA, UConn and South Carolina remain the top three teams and Oklahoma has cracked the top 10. Georgia Tech and N.C. State entered the rankings while Illinois, Louisville and Alabama fell out. College football transfer portal opens as Oklahoma's Arnold, other top players look for a move The college football transfer portal has opened a day after the inaugural 12-team College Football Playoff field was released. The portal period closes on Dec. 28. Oklahoma QB Jackson Arnold, Texas State running back Ismail Mahdi, Miami (Ohio) wide receiver Reggie Virgil and Ohio State QB Devin Brown were among the first players who entered the portal. The sophomore Arnold passed for 1,984 yards with 16 touchdowns and six interceptions and ran for 560 yards and four scores at Oklahoma. Mahdi led the nation with 2,169 all-purpose yards last season. Brown entered the transfer portal after three years as a backup. Saquon Barkley is chasing Eric Dickerson's NFL season rushing record. Can he do it? PHILADELPHIA (AP) — Philadelphia Eagles running back Saquon Barkley is closing in on the NFL season rushing record. Barkley set the Eagles' franchise record when he rushed for 124 yards and pushed his season total to 1,623 yards in a win against Carolina. Barkley also maintained his pace to break Eric Dickerson’s NFL single-season rushing record of 2,105 yards, set in 1984 with the Los Angeles Rams. Barkley is averaging 124.8 yards per game. At that pace and with one more game to play than Dickerson had, Barkley would become the top single-season rusher in NFL history. He needs 483 yards over the final four games to top Dickerson’s 40-year-old record. Barkley is on pace for 2,122 yards, just 17 yards beyond Dickerson’s 2,105 total.
Instant reaction: Illinois 64, Oregon 59MongoDB Stock Surges On Big Earnings Beat For Database Software Player
Anthem Blue Cross Blue Shield reverses decision to put a time limit on anesthesia
No. 24 Illinois pushes guards; next up is winless Chicago State
One of the country’s largest health insurers reversed a change in policy Thursday after widespread outcry, saying it would not tie payments in some states to the length of time a patient went under anesthesia. Anthem Blue Cross Blue Shield said in a statement that its decision to backpedal resulted from “significant widespread misinformation” about the policy. “To be clear, it never was and never will be the policy of Anthem Blue Cross Blue Shield to not pay for medically necessary anesthesia services,” the statement said. “The proposed update to the policy was only designed to clarify the appropriateness of anesthesia consistent with well-established clinical guidelines.” Anthem Blue Cross Blue Shield would have used "physician work time values," which is published by the Centers for Medicare and Medicaid Services, as the metric for anesthesia limits; maternity patients and patients under the age of 22 were exempt. But Dr. Jonathan Gal, economics committee chair of the American Society for Anesthesiologists, said it's unclear how CMS derives those values. In mid-November, the American Society for Anesthesiologists called on Anthem to “reverse the proposal immediately,” saying in a news release that the policy would have taken effect in February in New York, Connecticut and Missouri. It's not clear how many states in total would have been affected, as notices also were posted in Virginia and Colorado . People across the country registered their concerns and complaints on social media, and encouraged people in affected states to call their legislators. Some people noted that the policy could prevent patients from getting overcharged. Gal said the policy change would have been unprecedented, ignored the “nuanced, unpredictable human element” of surgery and was a clear “money grab.” “It’s incomprehensible how a health insurance company could so blatantly continue to prioritize their profits over safe patient care,” he said. "If Anthem is, in fact, rescinding the policy, we’re delighted that they came to their senses.” Prior to Anthem's announcement Thursday, Connecticut comptroller Sean Scanlon said the “concerning” policy wouldn't affect the state after conversations with the insurance company. And New York Gov. Kathy Hochul said in an emailed statement Thursday that her office had also successfully intervened. The insurance giant’s policy change came one day after the CEO of UnitedHealthcare , another major insurance company, was shot and killed in New York City. The Associated Press Health and Science Department receives support from the Robert Wood Johnson Foundation. The AP is solely responsible for all content.Critique of Israeli government 'not anti-Semitism'NEW YORK--(BUSINESS WIRE)--Dec 28, 2024-- Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Universal Stainless & Alloy Products, Inc. (NASDAQ: USAP) to Aperam for $45.00 per share in cash is fair to Universal shareholders. Halper Sadeh encourages Universal shareholders to click here to learn more about their legal rights and options or contact Daniel Sadeh or Zachary Halper at (212) 763-0060 or sadeh@halpersadeh.com or zhalper@halpersadeh.com . The investigation concerns whether Universal and its board of directors violated the federal securities laws and/or breached their fiduciary duties to shareholders by failing to, among other things: (1) obtain the best possible consideration for Universal shareholders; (2) determine whether Aperam is underpaying for Universal; and (3) disclose all material information necessary for Universal shareholders to adequately assess and value the merger consideration. On behalf of Universal shareholders, Halper Sadeh LLC may seek increased consideration for shareholders, additional disclosures and information concerning the proposed transaction, or other relief and benefits. We would handle the action on a contingent fee basis, whereby you would not be responsible for out-of-pocket payment of our legal fees or expenses. Halper Sadeh LLC represents investors all over the world who have fallen victim to securities fraud and corporate misconduct. Our attorneys have been instrumental in implementing corporate reforms and recovering millions of dollars on behalf of defrauded investors. Attorney Advertising. Prior results do not guarantee a similar outcome. View source version on businesswire.com : https://www.businesswire.com/news/home/20241228424936/en/ CONTACT: Halper Sadeh LLC One World Trade Center 85th Floor New York, NY 10007 Daniel Sadeh, Esq. Zachary Halper, Esq. (212) 763-0060 sadeh@halpersadeh.com zhalper@halpersadeh.com https://www.halpersadeh.com KEYWORD: NEW YORK UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: CLASS ACTION LAWSUIT PROFESSIONAL SERVICES LEGAL SOURCE: Halper Sadeh LLC Copyright Business Wire 2024. PUB: 12/28/2024 01:47 PM/DISC: 12/28/2024 01:46 PM http://www.businesswire.com/news/home/20241228424936/en
Pisces – (19th February to 20th March) Daily Horoscope Prediction says, Never give up Do not let relationship issues impact the day. Overcome the professional challenges to stay happy at the office today. Minor health issues also will be there. Enjoy a productive day in terms of both love and job. You may have prosperity but it is crucial to plan the day in terms of money. Minor health issues will be there. Pisces Love Horoscope Today There will be happiness in the relationship and you will also share emotions with the partner. Express the emotions freely and your lover prefers you to stay together. Today is not good to resolve the issues of the past and avoid digging into the past. You should also be careful to not impose your concepts on the partner. Some new love affairs will commence and you may also expect the support of parents and relatives in taking a call on marriage. Pisces Career Horoscope Today Be professional in attitude. You may have interviews scheduled for today and can attend them with confidence as the results will be positive. New responsibilities will keep you busy at the workplace. You may expect a change in role today. Do not get into office gossip or politics. Stay away from office dramas, and also possess strong communication with your seniors. Entrepreneurs will see success in signing new deals with partners which will bring in better financial security. Pisces Money Horoscope Today You may financially help a needy friend or sibling but ensure you will get the amount back whenever needed. Avoid monetary disputes within the family. Some females will also inherit property. A few students will need to pay the tuition fees while businessmen will see trouble in raising funds in the second half of the day. Pisces Health Horoscope Today Minor medical issues may have a serious impact on your routine life. Some females may develop gynecological issues while children will complain about skin-related allergies. You may develop minor breath-related issues today. Avoid dusty areas and also stay away from heavy exercises. Diabetic males should avoid aerated drinks and alcohol today. You should also follow all traffic rules while driving. You should be careful to not let office stress come inside the home. Pisces Sign Attributes Strength: Conscious, Aesthetic, Kind-hearted Weakness: Sentimental, Indecisive, Unrealistic Symbol: Fish Element: Water Body Part: Blood Circulation Sign Ruler: Neptune Lucky Day: Thursday Lucky Color: Purple Lucky Number: 11 Lucky Stone: Yellow Sapphire Pisces Sign Compatibility Chart Natural affinity: Taurus, Cancer, Scorpio, Capricorn Good compatibility: Virgo, Pisces Fair compatibility: Aries, Leo, Libra, Aquarius Less compatibility: Gemini, Sagittarius By: Dr. J. N. Pandey Vedic Astrology & Vastu Expert Website: www.astrologerjnpandey.com E-mail: djnpandey@gmail.com Phone: 91-9811107060 (WhatsApp Only)Wayne Rooney fears he's 'in trouble now' after making I'm A Celeb remarkS&P/TSX composite rises Thursday, U.S. markets down
One of the country’s largest health insurers reversed a change in policy Thursday after widespread outcry, saying it would not tie payments in some states to the length of time a patient went under anesthesia. Anthem Blue Cross Blue Shield said in a statement that its decision to backpedal resulted from “significant widespread misinformation” about the policy. “To be clear, it never was and never will be the policy of Anthem Blue Cross Blue Shield to not pay for medically necessary anesthesia services,” the statement said. “The proposed update to the policy was only designed to clarify the appropriateness of anesthesia consistent with well-established clinical guidelines.” Anthem Blue Cross Blue Shield would have used “physician work time values,” which is published by the Centers for Medicare and Medicaid Services, as the metric for anesthesia limits; maternity patients and patients under the age of 22 were exempt. But Dr. Jonathan Gal, economics committee chair of the American Society for Anesthesiologists, said it’s unclear how CMS derives those values. In mid-November, called on Anthem to “reverse the proposal immediately,” saying in a news release that the policy would have taken effect in February in New York, Connecticut and Missouri. It’s not clear how many states in total would have been affected, as notices also were and . People across the country registered their concerns and complaints on social media, and encouraged people in affected states to call their legislators. Some people noted that the policy could prevent patients from getting overcharged. Gal said the policy change would have been unprecedented, ignored the “nuanced, unpredictable human element” of surgery and was a clear “money grab.” “It’s incomprehensible how a health insurance company could so blatantly continue to prioritize their profits over safe patient care,” he said. “If Anthem is, in fact, rescinding the policy, we’re delighted that they came to their senses.” Prior to Anthem’s announcement Thursday, Connecticut comptroller Sean Scanlon said the “concerning” policy wouldn’t affect the state after conversations with the insurance company. And New York Gov. Kathy Hochul said in an emailed statement Thursday that her office had also successfully intervened. The insurance giant’s policy change came one day after , another major insurance company, was shot and killed in New York City. ___ The Associated Press Health and Science Department receives support from the Robert Wood Johnson Foundation. The AP is solely responsible for all content.
In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online and other , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the with health care debt, 12% attribute at least some of it to maternity care, according to . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the , plan benefits, and health complications, said , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.Top 10 movies of 2024: In a time of scoundrels, ‘Brutalist,’ ‘Challengers’ and the movie about the exotic dancer
Renuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | California case is the first confirmed bird flu infection in a US child Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Health | US towns plunge into debates about fluoride in water Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.
Container Closure Integrity Testing Service Market Industry Dynamics and Contributions by Berkshire Sterile Manufacturing, Confarma, Stevanato, SGS, Curia, Eurofins, Wilco, Nelson Labs
Resecurity introduces Government Security Operations Center (GSOC) at NATO Edge 2024
