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Quick Take: Medicaid MCOs and Medical Loss Ratio (MLR) Requirements

One mechanism for ensuring that health insurance provides value to consumers for the premiums that they pay, or that others pay on their behalf, is to require insurers to meet a minimum “medical loss ratio” or MLR standard. The MLR is the share of premium revenues that an insurer or…

Financial Alignment Models for Dual Eligibles: An Update

The nearly nine million dual eligibles who receive both Medicare and Medicaid benefits are a high cost, high need population, accounting for a disproportionate share of expenditures relative to their enrollment in both programs. In April 2011, the Centers for Medicare and Medicaid Services (CMS) announced the award of design…

Pulling it Together: Teaching An Old Dog New Tricks

Way back in the eighties when I was Human Services Commissioner in New Jersey, I established something called the Garden State Health Plan (GSHP).  It was the first — and I think the only — federally qualified state-run HMO for Medicaid beneficiaries.  One goal of the GSHP was to reallocate…

A Guide to the Medicaid Appeals Process

This background brief provides a comprehensive look at the appeals process for the Medicaid program, which differs significantly from those available through the Medicare program and private health insurance. The Medicaid appeals process provides redress for individual applicants and beneficiaries seeking eligibility for the program or coverage of prescribed services,…

The Growth of Managed Care: Are Women Getting What They Need?

How the Changing Health Care Marketplace Affects Coverage and Access to Reproductive HealthA fact sheet, Q&A and resource list prepared for a media briefing held in New York on March 27, 1996. The purpose of the briefing was to respond to questions about how reproductive health services are currently delivered…