Connecticut
Opinion: Good retiree healthcare coverage — a moving target
A response to Medicare or Medicare Advantage – CT employees want a choice by James W. Russell:
I agree with Russell’s frustration over the increasing privatization of Medicare. The health care eco-system, in Connectiut and nationally, is ever-changing and is now very different today than it was in 2018 when the State of Connecticut implemented a private, customized Medicare Employer Group Waiver (EGWP – pronounced “egg-whip”) plan for its’ retirees.
At that time, providers were generally accepting EGWP Medicare beneficiaries nationwide. Today, in-state and beyond, more providers are rejecting private Medicare, both EGWP plans and individual Medicare Advantage (MA) plans, for all the reasons Russell articulated – high claim denials, delayed payments, and crushing administrative requirements – plus, increasingly, extremely low provider reimbursement rates.
Unlike State of Connecticut retirees, Connecticut teacher retirees are not limited to one Medicare plan. Retired Connecticut teachers may choose between a customized EGWP plan (different from state retirees), or original Medicare with a supplement for out-of-pocket costs.
Only about 10% of retired teachers choose the original Medicare/supplement option. Those who do are typically older individuals with higher health care resource needs who pay dearly for what they get from original Medicare – access to most providers nationwide and for their own treating provider (not an insurance company) to determine their medical needs and amount/length of services.
There’s no perfect solution, and there are unintended consequences for every health care decision balancing access to care, quality, and cost, but the conversation about how best to achieve that balance must be continuous for state retirees, retired teachers, and for one in five state residents insured by Medicare.
In the meantime, the best answer is to fight the fights you can win against private Medicare plans.
A 2018 report by the Centers for Medicare and Medicaid (CMS) Office of the Inspector General (OIG) found that less than one-percent of Medicare beneficiaries appeal a denial, but when they do, 75% of the time, that denial is over-turned on the first appeal.
Challenging insurance companies is critical, even if you do not have the time or energy to pursue a problem yourself. Connecticut has several free insurance assistance options for Medicare beneficiaries, in addition to professional help through the Comptroller’s Office (for state retirees) or the Teacher’s Retirement Board (for retired teachers).
For further help with free insurance appeals, and other health insurance assistance, such as seeking exceptions to insurance company rules, contact the CT Office of the Healthcare Advocate (866) 466-4446, Healthcare.Advocate@ct.gov; or the private, non-profit law organization, the Center for Medicare Advocacy (860) 456-7790, Communications@medicareadvocacy.org.
Kathleen Holt is the Acting CT Healthcare Advocate. She is an appointed public member of the CT Teacher’s Retirement Board, Chairs the Board of Lawrence and Memorial Hospital, and was previously Associate Director of the Center for Medicare Advocacy.
Connecticut
Person hospitalized in Westport crash that briefly closed I-95, officials say
WESTPORT — A two-vehicle crash on Interstate 95 caused a traffic slowdown stretching for miles into Fairfield Friday afternoon, according to state officials.
The crash scene has since been cleared.
Connecticut State Police said the two-car crash was reported near Exit 17 in the southbound lanes at 3:03 p.m.
One driver was taken to the hospital for reported injuries, the agency said.
The crash closed the right lane of the highway, causing cars and trucks to be backed up for miles along I-95 into Fairfield, traffic cameras showed.
This is a developing story and will be updated as more information becomes available.
Connecticut
Joe Deko Appointed to State Legislature’s Group Studying Prepaid Funeral Contracts to Protect Consumers
- Reviewing contract structures: Examining issues related to pre-need funeral contracts and cremation service agreements.
- Strengthening oversight: Recommending stronger consumer protections and improvements to state regulation of the funeral services industry.
- Developing compensation mechanisms: Creating rules for distributing funds to affected consumers and exploring the framework for a future industry-backed guarantee fund.
Deko took to Facebook to share the news.
“I am honored to announce my appointment to the Connecticut State working group focused on reviewing and strengthening Connecticut’s prepaid funeral laws.
This important effort brings together professionals and stakeholders committed to ensuring that prepaid funeral arrangements continue to serve and protect Connecticut families while maintaining the highest standards within our profession.
I am grateful for the opportunity to contribute my experience and perspective to this process and look forward to working collaboratively with fellow members of the group.
A special thank you to Senator Paul Cicarella for his confidence in me and for entrusting me with this appointment. Your support and leadership are greatly appreciated. I look forward to helping shape thoughtful policies that will benefit Connecticut families and the funeral profession for years to come.”
Connecticut
Sierra Club Connecticut, State Representatives Host Black Lungs Matter: Juneteenth Press Event – CleanTechnica
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Hartford Advocates and Community Members Gathered to Remember, Honor Path to Freedom
HARTFORD, Ct. — Today, Sierra Club Connecticut and State Representatives Minnie Gonzalez, Maryam Khan, and Jilian Gilchrist hosted Black Lungs Matter, a Juneteenth Press Conference, at the Connecticut Legislative Office Building.
The event highlighted the disproportionate impact of air pollution on Black residents in Connecticut and the broken promises that have contributed to this impact. Speakers included state representatives, public health and civil rights experts, plus local voices from Sierra Club Connecticut and the Connecticut Coalition for Economic and Environmental Justice.
The groups are concerned that Governor Lamont is no longer moving ahead with eliminating all carbon emissions from state building heating and cooling systems, as he pledged in Executive Order 21-3. The Trump Administration has also cancelled at least $50 million in federal grants for environmental justice projects across New England, a substantial portion of which was slated to come to Connecticut environmental justice organizations.
Environmental injustice refers to the fact that environmental hazards, such as air and water pollution, and the health harms that they cause, are disproportionately experienced by people of color and low income people. Environmental justice is the fair treatment and meaningful involvement of all people, regardless of race, income, ethnicity, tribal affiliation or disability, in the environmental decision making which affects them.
“Just like the enslaved people in Texas were some of the last to gain their freedom, the asthmatic children of Hartford are likely to be the last to breathe clean air,” said Dr. Mark Mitchell, founder of the Connecticut Environmental Justice Leadership Collaborative. “The Governor should keep his clean air promise to Hartford, and help fight back against the environmental injustice of the Trump Administration.”
“As a Puerto Rican woman, I stand in solidarity with Black communities fighting for the right to breathe clean air and live healthy lives,” said Rep. Minnie Gonzalez, who represents the residents that are most exposed to the pollution from Capitol Area Systems.
“As a representative of Hartford, I am deeply committed to ensuring that every child in our city breathes clean air,” said Rep. Maryam Khan. “On this Juneteenth, we recognize the painful legacy of environmental injustice that has disproportionately harmed Black communities. Today, I stand with the Sierra Club in demanding action to tackle air pollution in Hartford. No child’s future should be stolen by the air they breathe.”
“Connecticut has made commitments to Environmental Justice,” said Sharon Lewis, an Environmental Justice Advocate. “Juneteenth reminds us that commitments matter only when they reach the people they were intended to serve.”
“We cannot allow the environmental justice goals and objectives in this city to be ignored,” said Attorney Cynthia Jennings. “Any investment of our tax dollars must be used to improve the health and safety of residents in every Hartford community.”
“Let’s remind the Governor that Black Americans deserve to breathe clean air in Hartford,” said Sierra Club Connecticut Organizer Alycia Jenkins. “Once justice is won for Black Americans, justice will be won for all.”
About the Sierra Club
The Sierra Club is America’s largest and most influential grassroots environmental organization, with millions of members and supporters. In addition to protecting every person’s right to get outdoors and access the healing power of nature, the Sierra Club works to promote clean energy, safeguard the health of our communities, protect wildlife, and preserve our remaining wild places through grassroots activism, public education, lobbying, and legal action. For more information, visit www.sierraclub.org.
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