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Oregon Health Plan

 
Insurance Dictionary: Oregon Health Plan

Plan that provides a legal resident of the state of Oregon access to basic health care through three major components:

1. Medicaid Reform (rationing)-extends Medicaid eligibility to those individuals below the federal poverty level, and requires, if possible, that Medicaid benefits be provided through Managed Care plans.

2. -Employer Mandate-employers must provide health insurance for all permanent (working at least 17.5 hours per week) employees on a play or pay basis, where the employer plays by providing the employees with a health insurance plan or pays by paying a payroll tax that is passed through to the state's Insurance Pool Fund.

3. -Market Reform-benefits available must be substantially similar to those provided by Medicaid.

The indemnity insurance plan and the Health Maintenance Organization (HMO) provide similar benefits, and both plans must be accessible to all businesses whose employment is in the range of 3 to 25 employees. The indemnity insurance plan has the following characteristics: (1) $15 copayment for preventive services (most other services require a 50% copayment); (2) no deductible; (3) out-of-pocket expenses to be limited to $3750 annually on an individual basis and $7500 annually on a family basis. After these annual limits have been reached, 100% of the expenses are paid by the insurance plan up to a $1,000,000 lifetime maximum; and (4) preventive services to include children's immunizations, dental examinations, basic medical examinations, vision examinations through age 18, basic blood pressure and cholesterol screening for adults every five years through age 39 and every two years beginning at age 40, maternity care, mental health benefits, alcohol and chemical dependence benefits.

All insurance companies that sell and/or service insurance plans to employers who have 3 to 25 employees must offer at least those basic benefits and cannot refuse to sell this plan to any such employer. In addition, no employee or employee's dependent can be excluded from the plan; there must be portability from any previous individual or group health insurance plan; benefits cannot be denied because of preexisting conditions to include pregnancy; policies cannot be cancelled on a selective basis, even for those employees who develop high-risk health care problems; and premium rates cannot exceed the geographic premium rate maintained for a stipulated geographic area.

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Wikipedia: Oregon Health Plan
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Health care in the United States
Public health care

Private health coverage

Health care law

State/municipal level reform

The Oregon Health Plan is Oregon's state Medicaid program.

Contents

History

The Oregon Health Plan was conceived and realized by emergency room doctor John Kitzhaber, then a state senator,[1] and Dr. Ralph Crawshaw, a Portland activist.[2]

It was intended to make health care more available to the working poor, while rationing benefits.[1] At the time, Oregon was considered a national leader in health care reform.[3] The law passed in Oregon was not initially compatible with federal law, so a waiver was needed. President Bill Clinton approved the plan on March 20, 1993, though he required a revision to the plan due to a concern about whether disabled people would have equal access.[4] At the time, Medicaid covered 240,000 Oregonians.[4]

In 1994, the plan's first year of operation, nearly 120,000 new members signed up, and bad debts at Portland hospitals dropped 16%.[1]

The plan's costs increased from $1.33 billion in 1993-1995 to $2.36 billion in 1999-2001.[1] Significant cuts were made to the Oregon Health Plan's budget in 2003.[5]

New enrollment in the program were closed from mid-2004[6] until early 2008, when a lottery-based system was introduced. Tens of thousands of Oregonians signed up, competing for 3,000 new spots in the plan.[7][8]

The legal foundation for the OHP is generally spelled out in Chapter 414 of the Oregon Revised Statutes.[9]

Eligibility

Basic eligibility requires that the applicant be a resident of Oregon, as a citizen or otherwise. The level of coverage is based on income, age, mental and physical condition.

Coverage

Since a February 2003 adjustment to the Oregon Health Plan,[6] it consists of two main plans, OHP Plus and OHP Standard.

OHP Plus

OHP Plus is a full benefit package offered to children and adults who are eligible for Medicaid or for the Children's Health Insurance Program. The OHP Plus package has no premiums, but some adults may be required to pay small copayments for outpatient services and some prescription drugs.

OHP Standard

OHP Standard is a limited benefit package covering a limited number of uninsured adults who are not eligible for Medicaid. In 2003, when OHP Standard began requiring small premiums of most adult participants, around 40,000 Oregonians (many homeless, destitute or mentally ill) were unable to pay the premium and were disenrolled from the program[10]. Significant cuts were made to the Oregon Health Plan's budget in 2003. Today, the monthly premiums are still required, but there are no copayments. [11]

Controversy

The Oregon Health Plan became the focus of national scrutiny in 2003, after deep budget cuts led to 100,000 people in mental health and/or substance abuse treatment losing prescription coverage under the program.[12]

This year and last, the Oregon Health Plan stirred up controversy when enforcing 1994 guidelines[13] to only cover comfort care, and not to cover cancer treatment such as chemotherapy, surgery and radiotherapy for patients with less than a 5% chance of survival over five years.[14]

Springfield resident Barbara Wagner said her oncologist prescribed the chemotherapy drug Tarceva for her lung cancer, but that Oregon Health Plan officials sent her a letter declining coverage for the drug, and informing her that they will only pay for palliative care and physician-assisted suicide. She appealed the denial twice, but lost both times.[15] Tarceva drugmaker Genentech agreed to supply her the $4000-a-month[16] drug for free.[17] Wagner's plight garnered a flurry of attention from the media,[18] the blogosphere,[19][20][21][22] and triggered protest from religious groups.[23][24][25] Wagner died in October 2008.[26]

Ongoing legislative efforts

Following the end of two terms as Governor of Oregon, Kitzhaber established the Archimedes Movement, which aims to be a grassroots effort toward crafting legislation and solving Oregon's health care problems. The Archimedes Movement also has a close relationship with the Foundation for Medical Excellence.[27][28]

The 2007 Oregon legislative session passed the Healthy Oregon Act (Senate Bill 329), which established the Oregon Health Fund Board.[29] This seven member advisory panel is working with Governor Ted Kulongoski to propose legislation for the 2009 session. Among other challenges, the board has been advised that changes in federal requirements will affect funds that currently support 24,000 Oregonians on the OHP Standard plan.[30]

References

  1. ^ a b c d Lydgate, Chris. "In sickness and in health". Willamette Week 25 Years retrospective. http://wweek.com/___ALL_OLD_HTML/25-1993.html#sick. 
  2. ^ Jacklet, Ben (August 5, 2005). "Activist’s ideals give rise to ideas". Portland Tribune. http://www.portlandtribune.com/news/story.php?story_id=31159. 
  3. ^ Korn, Peter (February 27, 2007). "Some forge ahead on reform". Portland Tribune. http://www.portlandtribune.com/rethinking/story.php?story_id=117234505483715600. 
  4. ^ a b Pear, Robert (March 20, 1993). "U.S. Backs Oregon's Health Plan for Covering All Poor People". The New York Times. http://query.nytimes.com/gst/fullpage.html?res=9F0CEFDB1030F933A15750C0A965958260. Retrieved 2008-07-14. 
  5. ^ Korn, Peter (February 27, 2007). "Elsewhere, there are saner ways to help mentally ill". Portland Tribune. http://www.portlandtribune.com/rethinking/story.php?story_id=117234479689470100. 
  6. ^ a b Clark, Taylor (June 9, 2004). "Code Red". Willamette Week. http://wweek.com/editorial/3032/5173/. 
  7. ^ "Thousands seek a spot on state health plan reservation list". Portland Tribune. February 4, 2008. http://www.portlandtribune.com/news/story.php?story_id=120215255406776300. 
  8. ^ Skidmore, Sarah (March 42008). "Oregon Holds Health Insurance Lottery". Associated Press. http://ap.google.com/article/ALeqM5gyDshNIHe6mH1iqKyPvzvCtAtY9QD8V6KH6O0. 
  9. ^ http://www.leg.state.or.us/ors/414.html
  10. ^ Steves, David (October 26, 2003). "40,000 Poor Lose Coverage". Eugene Register-Guard. http://news.google.com/newspapers?id=2nYVAAAAIBAJ&sjid=qusDAAAAIBAJ&pg=5519%2C6347082. 
  11. ^ "Oregon DHS". http://www.oregon.gov/DHS/healthplan/data_pubs/faqs/faqapply.shtml. 
  12. ^ Egan, Timothy (March 3, 2003). "A Prescription Plan Lauded as a Model Is a Budget Casualty". The New York Times. http://www.nytimes.com/2003/03/05/us/a-prescription-plan-lauded-as-a-model-is-a-budget-casualty.html. 
  13. ^ "Statement of Intent for the Prioritized List of Health Services, page SI-1". http://www.oregon.gov/OHPPR/HSC/docs/Apr08Plist.pdf. .
  14. ^ Stevens, Jr., M.D., Kenneth R. (March 26, 2009). "Oregon Rationing Cancer Treatment but Offering Assisted Suicide to Cancer Patients: Paying to Die but not to Live". PCM Online. http://www.ohsu.edu/pcmonline/docs/Oregon%2520Rationing.pdf. 
  15. ^ Harding, Susan (July 31, 2008). "Letter noting assisted suicide raises questions". KATU TV News. http://www.katu.com/home/video/26119539.html. 
  16. ^ http://blogs.rep-am.com/worth_reading/?p=4326
  17. ^ Christie, Tim (June 3, 2008). "A Gift of Treatment – When the Oregon Health Plan fails to cover a cancer drug, the drug maker steps in". Eugene Register-Guard. http://www.articlearchives.com/health-care/health-care-professionals-physicians-surgeons/186347-1.html. 
  18. ^ Donaldson James, Susan (August 6, 2008). "Death Drugs Cause Uproar in Oregon". ABC News. http://abcnews.go.com/Health/story?id=5517492&page=1. 
  19. ^ http://wizbangblog.com/content/2009/08/04/oregon-health-plan-has-already-weighed-the-cost-of-life-1.php
  20. ^ http://thehappyhospitalist.blogspot.com/2009/08/it-looks-like-oregon-has-established-5.html
  21. ^ http://www.southernbellepolitics.com/2009/06/are-you-ready-to-die-soon.html
  22. ^ http://www.mofopolitics.com/2009/08/03/video-oregon-says-no-to-chemotherapy-offers-doctor-assisted-suicide/
  23. ^ http://www.catholicnewsagency.com/new.php?n=12857
  24. ^ http://www.lifenews.com/bio2608.html
  25. ^ http://www.lds.net/forums/current-events/24495-obamacare-met-barbara-wagner.html
  26. ^ Maynard, Steve (November 11, 2008). "Oregon Death with Dignity program spurs fierce debate, intense criticism". Tacoma News-Tribune. http://www.thenewstribune.com/1078/story/532612.html. 
  27. ^ About Us | We Can Do Better - The Archimedes Movement
  28. ^ tfme.org - Home
  29. ^ Glascock, Stuart (March 10, 2008). "A Healthy Wager". Los Angeles Times. 
  30. ^ Kulongoski, Ted (2008-06-10). "Governor Kulongoski's letter to the OHFB" (PDF). Governor of Oregon. http://www.oregon.gov/OHPPR/HFB/docs/Meeting_Materials_HFB/2008/Governor_Letter_to_OHFB_6.10.08.pdf. 

 
 

 

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