Cigna must refund $2.3 million to Vermont customers

first_imgCIGNA Healthcare,by Alan Panebaker vtdigger.org Cigna, a major health insurer of large businesses in Vermont, is on the hook for more than $2 million that it must return to its customers in the state under a provision of the federal health care law.According to numbers released Thursday by the U.S. Department of Health and Human Services, 4,636 Vermonters will receive a rebate ‘averaging out to $506.04 a person (or $807 per family).The rebate is required under a section of the federal Affordable Care Act which requires insurance companies to spend at least 80 percent (or 85 percent in the large group market which is generally insurance through large employers) on medical care.If insurance companies do not meet this requirement, they have to refund the portion of the premium that exceeded the 20 or 15 percent limit on things like administrative expenses.Companies insuring Vermonters in the small group and individual markets met the requirement and did not have to refund any money to their customers.Cigna was the only insurance company that had to refund money to Vermonters. It covers the â large group’market of employers who employ 51 or more people. According to the Department of Health and Human Services, Vermont had the highest average per-person rebate for that market.Steve Kimbell, commissioner of the Vermont Department of Financial Regulation, said he was surprised to learn insurers in Vermont did not meet the requirement.BISHCA Commissioner Steve Kimbell. VTD file photo/Josh Larkinâ As far as I knew, all our major carriers were under [the threshold],’Kimbell said.The state regulators may not have been aware of the issue because it occurred in the large group market. Kimbell said the state regulates the individual and small group insurance markets more closely than the large groups because it requires â community rating’for those markets ‘requiring insurance companies to charge the same premiums for people regardless of how healthy or old they are.The larger groups use â experience rating’where insurance companies can charge a different rate for different people based on differences in their demographics, past health care utilization, medical status and other factors.Kimbell said the department was looking into what businesses this will affect.Nationwide, insurance companies in the large group market are required to return $386 million in rebates, which will go to employers who will in turn return the money to their employees.Anya Rader Wallack, chair of the Green Mountain Care Board, which oversees health care reform in the state, said the failure to meet the federally set ratio could be a result of people seeking less medical care.At the beginning of the year, insurance companies predict how much they will spend on medical care, so a decrease in utilization of health care, which the state has been seeing, could shift that balance to mean a higher percentage went to things other than medical care.â Itâ s a result of a carrier spending less than predicted on actual payments to providers,’Rader Wallack said. â To call it excess administrative expenses I guess is one way of looking at it. The way I look at it is predictions of actual health care expense were much lower than anticipated.âA spokeswoman for Cigna verified the amount owed to Vermonters was a little over $2.3 million. She said Thursday afternoon she was unsure why Cigna had failed to meet the federal requirement.The company must pay the rebate by August 1. Kimbell said it will affect 27 companies in Vermont. As of Thursday afternoon, the Department of Financial Regulation was looking into who those were. In a joint statement, Vermont’s congressional delegation, Senators Leahy andSanders and Representative Welch said, â Insurance premiums should go toward providing care to people who get sick. Thatâ s simply common sense.âNationwide, 12.8 million Americans will benefit from $1.1 billion in rebates under the 80/20 standard.  The medical loss ratio or 80/20 rule is a part of the controversial federal health care law which the US Supreme Court could strike down altogether next week.The court issued opinions Thursday morning, but the ruling on the Affordable Care Act was not one of them. Observers expect a decision by next Thursday.Twenty-six states challenged the constitutionality of the national health care law, arguing the law infringed upon states’rights and individual liberties. They contended the federal government could not compel citizens to purchase health insurance under what is called the â individual mandate.â  June 21, 2012 vtdigger.orglast_img read more

Eleventh Circuit Judicial Conference needs a member

first_imgEleventh Circuit Judicial Conference needs a member November 15, 2016 Regular News Eleventh Circuit Judicial Conference needs a member The Board of Governors seeks applicants for the following vacancy to be filled during its December meeting: Eleventh Circuit Judicial Conference: One delegate to represent the Southern District of Florida for a four-year term commencing January 1, 2017. The biennial conference consists of educational opportunities and meetings (by state) on matters of mutual concern. The Bar’s three delegates contribute to planning and organizing an event during the conference in every odd numbered year. Persons interested in applying for these vacancies may download the “Application for Special Appointment” or call Bar headquarters at850-561-5757, to obtain the application form. Completed applications must be received by the Executive Director, The Florida Bar, 651 East Jefferson Street, Tallahassee, 32399-2300 or submitted via e-mail to [email protected] no later than the close of business December 1. Resumes are not accepted in lieu of the required application. The Board of Governors reviews all applications and may request telephone or personal interviews.last_img read more

UFC 205 Carmouche vs Chookagian

first_img Related TopicsLiz CarmoucheNEO SportsUFC 205 Vince McKee UFC 205 is upon us this weekend live from Madison Square Garden. It is a major event with three major titles on the line. Not only that, but it is the first in the State of New York, the last to legalize MMA.This event will truly be a milestone for MMA on its biggest stage. Much like UFC 200, the card is loaded with 13 great fights.Up first is a women’s Bantamweight bout between Liz Carmouche vs Katlyn ChookagianCarmouche has been up and down since entering the UFC back in February of 2013, a one round title fight loss to Ronda Rousey at UFC 157. Since then, she has gone 2-2 with wins over Jessica Andrade and Lauren Murphy, but losses to Miesha Tate and Alexis Davis.There is a bit of a layoff and rust Carmouche will have to deal with as she hasn’t fought since April 2015. I do fully expect her to knock off the ring rust in this one however, with a first round submission over Chookagian.Prediction – Carmouche by knockout in the 1rst. Agree or disagree with this pick? Let me know on twitter at VinceTheAuthorlast_img read more

Kellnerov will ride in Prague with an expensive mare, he is…

first_imgKellner has been waiting for the biggest seductions since last May, when she first broke her femur from this mare. Due to that, in the turn of the year she drank for the culmination of the series Global Champions in Prague.At the arrest of this year, she went to the first competition with a mare for which her father Petr Kellner paid him a quarter of a billion crowns. Then their program was disrupted by a coronary conduction.After the forced break, however, they jumped together several times again, and for Prague, Catchie was a clear choice for Kellner. She was the most prepared, she was in the best condition and we got used to the biggest races the best, she said in an interview for EquiTV.cz.It will take place in Prague from Thursday the 20th to Sunday the 23rd of August. Kellnerov and other riders will be able to meet the Olympic requirements for themselves and the event in the fifth National Cup and Sunday’s Grand Prix.First I will focus on the Pohr nrod, because this is the first year. And I hope it works out there. I will only have Catchie at these races, and she could be a little tired on Sunday, said Kellnerov, who represents the Prague Lions team in the Global Champions series.The opportunity to seduce the home crowd as a member of the Czech national team is dark, but at the same time responsible. The pressure will be high. It’s Pohr nrod and you want to support those esk riders around you, not to disappoint them. At the same time, it will be an Olympic qualification, it will also give pressure, due to which we will strive for the greatest possible result. I’ll have to mentally prepare for it so I don’t succumb to the pressure, she thought.Anna Kellnerov s Catch me If You Can v DauhBetween the seductions, she has to work intensively on the leg she injured last year. It costs me a lot of energy and strength. Except for one, I have to exercise a few times a week. I have to go for different relaxation methods, because my muscles contract and a lot of it was. I can every day in pain, but I can name it somehow. When I focus on regeneration and my monma, it works for a while, Kellnerov described, with the fact that it is not limited to her foot at the course.The International Jumping Competition (CSIO) returns to Prague after twelve years. The last competition took place in 2008 in the riding arena on Csaskm Island. The event is organized by the same team that usually prepares the Global Champions Prague PlayOffs at the O2 Aren. This will not happen this year, as will the rest of the serile due to coronavirus.last_img read more

Whitehall girls basketball squad wins close game in comeback fashion over Shelby

first_img ENDS IN Report a problem This item is… Ads by Amazon Mail Other LocalSportsJournal.comThe Whitehall girls basketball team won a West Michigan Conference game on Thursday in comeback fashion, defeating Shelby 50-48.The Vikings led 12-7 after the first quarter and 20-16 at halftime but trailed 37-29 heading into the final stanza.Rayne Thompson helped ice the game for Whitehall, making key free throws down the stretch and pulling down important rebounds.The Vikings were led by Rileigh Thommen with a team-high 17 points, while Karleigh Jeffries added 11 points and six rebounds.Shelby was paced by Lauren Dean, who scored a game-high 19 points, which included five three-point shots made.Dean also had 10 rebounds and four assists, while both Lexi Schultz and Kendall Zoulek each added 11 points.The Vikings improved to 6-6 overall and 5-3 in conference play, while Shelby fell to 7-5 on the season and 5-3 in league action. Shop Now 1 Other Not relevant $9.99 Inappropriate / Offensive Inappropriate / Offensive Displayed poorly Displayed poorly Not relevant Other FOX Sports: Stream live NFL, College Footbal… Bestseller (7802) Displayed poorly Inappropriate / Offensive × ENDS IN NBC Sports Report a problem This item is… Bestseller Bestseller (657) $37.99 Displayed poorly (17612) Other (2) 50PC Disposable Face MàSc/Mack Anti-Dust … Report a problem This item is… Other × ENDS IN DEAL OF THE DAY Add Comments (Max 320 characters) Add Comments (Max 320 characters) Report a problem This item is… $14.99$18.00 Ads by Amazon Fox Sports Go Not relevant Thank you! This will help us improve your ad experience. We will try not to show you such ads again. × × Not relevant Thank you! This will help us improve your ad experience. We will try not to show you such ads again. ENDS IN Bestseller Bestseller The League DEAL OF THE DAY Report a problem This item is… MIRITY Women Racerback Sports Bra… Bestseller × Inappropriate / Offensive DEAL OF THE DAY Thank you! This will help us improve your ad experience. We will try not to show you such ads again. Add Comments (Max 320 characters) Bestseller ENDS IN Thank you! This will help us improve your ad experience. We will try not to show you such ads again. Report a problem This item is… × Add Comments (Max 320 characters) Inappropriate / Offensive Not relevant × Thank you! This will help us improve your ad experience. We will try not to show you such ads again. Displayed poorly Thank you! This will help us improve your ad experience. We will try not to show you such ads again. ENDS IN Twelve Thank you! This will help us improve your ad experience. We will try not to show you such ads again. The Sports Gene: Inside the Science of Extr… DEAL OF THE DAY DEAL OF THE DAY Shares Other Displayed poorly $0.00 Add Comments (Max 320 characters) Share Displayed poorly $49.95 DEAL OF THE DAY Add Comments (Max 320 characters) DEAL OF THE DAY × DEAL OF THE DAY Inappropriate / Offensive ENDS IN Other (117) Bestseller Not relevant Report a problem This item is… Add Comments (Max 320 characters) Thank you! This will help us improve your ad experience. We will try not to show you such ads again. Inappropriate / Offensive Share Not relevant (34271) Other (31628) (822) $0.00 $15.29$17.99 Displayed poorly Inappropriate / Offensive Report a problem This item is… $0.00 Not relevant ENDS IN Add Comments (Max 320 characters)last_img read more

In Case You Missed It: Disney News and Rumors – Week of January 26, 2018

first_imgIn Case We Missed ItWhat did we miss? Attach your ideas to a Le Creuset Mickey Mouse 90th Birthday Celebration Cast-Iron Round Oven and send it to [email protected] with the words “In Case You Missed It” in the subject line. Share This!Have you had a crazy week this week too? The good news is that for me, my weekend is ending with a trip to the Disney Store in Times Square for the first time ever! What?! I’m super excited! So let me know what I shouldn’t miss!There were a lot of interesting articles this week including a new travel warning for somewhere Disney Cruise Line travels, a couple of remakes that I can’t believe are in the works, and more.In Case You Missed It – Disney and Universal Orlando News and Rumors Some interesting details came out this week about the upcoming gondola system. What do you find most interesting?Want to see the latest birds eye views of both Toy Story Land and Star Wars: Galaxy’s Edge at Disney’s Hollywood Studios? Take a look at the progress!An article this week suggested that Disney has actually become a lifestyle brand, which is why pricing can keep increasing and we’ll just keep paying it. What do you think about that concept? Oh my goodness! This is ADORABLE!!!! Watch what happens as this service dog meets his favorite dog.This week, it was announced that Disney will join the list of companies who will be giving their employees a $1000 bonus to 125,000 employees, as well as new education funding.The Walt Disney Company has once again placed on Fortune’s list of “World’s Most Admired Companies,” ranking No. 1 in the entertainment industry and No. 6 overall for 2018.We lost another great this week. Chef Paul Bocuse, who helped bring to life Chefs de France and Monsieur Paul at Epcot’s France Pavilion passed away at the age of 91.This place just fascinates me because it’s somewhere I’ll never likely get to visit, but it’s really where the food magic within Disney happens.A new warning has been issued for those who may be traveling to Jamaica. Those visiting the island are urged to excercise extreme caution.It’s not often you see a Disney park with snow, but it happened in Tokyo Disneyland. Isn’t it beautiful!The Walt Disney Company did pretty well with this year’s Oscar nominations. What do you think were they snubbed for though?This just got interesting. Redbox is pushing back against Disney’s attempt to stop it from renting multi-packs of movies individually.Twitch has partnered with Disney Digital Network for content. This is certainly an interesting development.Three ChEARS for Minnie Mouse! She got her star on the Hollywood Walk of Fame this week. And I think I speak for all of us when I say it’s about time!Quack, Quack, Quack….a television series based off the Mighty Ducks (yep…the movie from the 90s) may be in the works. Do you think this is a good idea?Speaking of remakes, The Sword and the Stone remake may have its director. Wondering where they are planning for this one to go.Universal announced their earnings for the fourth quarter and once again, the theme parks division saw large gains.last_img read more

South Africa ‘ready for Afcon 2013’

first_img25 October 2012 South Africa is ready to host a successful 2013 African Cup of Nations (Afcon) tournament, President Jacob Zuma said at the final draw for the 29th edition of Africa’s biggest soccer festival at the International Convention Centre in Durban on Wednesday evening. From 19 January to 10 February 2013, the world’s eyes will once again be on South Africa as 16 of Africa’s best footballing nations battle it out for the continental crown. South Africa had a proud track record of hosting wonderful sporting events, Zuma said at Wednesday’s draw, adding that the 2013 Afcon finals would “be a timely reflection on the legacy of the 2010 Fifa World Cup, which we hosted successfully with the support of the African continent.” Zuma extended his special congratulations to Cape Verde, who will be appearing in the tournament for the first time after eliminating one of the giants of African football, Cameroon, in the qualifiers. Zuma said the tournament would be a special occasion for South Africa as Bafana would be making a return after a four-year absence from the continental competition. Zuma had earlier, during the draw, brought a sigh of relief to South Africans when he drew underdogs Cape Verde as Bafana’s opening match opponents. The host team was drawn in Group A with Cape Verde, Morocco and Angola. These four teams will be based in Durban. Group B, which will be based in Port Elizabeth, comprises Ghana, DRC, Niger and Mali. Defending champions Zambia are in group C with Ethiopia, Burkina Faso and Nigeria. These teams will based in Mbombela, Mpumalanga. The “group of death”, group D, comprises Ivory Coast, Togo, Algeria and Tunisia. Afcon local organising committee (LOC) chairman Mwelo Nonkonyane gave an assurance to the Confederation of African Football, the 16 participating national teams, South Africans and the entire African continent that they would not let them down. “We wish to assure the African football [fraternity] that we use football as a tool to uproot our people from the circles of poverty, war and diseases to promote peace in Africa. “We can assure you that as you go home to start preparing for this tournament and come back to battle for this coveted trophy, you will find the LOC ready to deliver a seamless tournament,” Nonkonyane said. “We’ve put in place plans around team transport, training venues, team hotels, including team security and escort mechanisms, and spectator experience that will ensure that every single stadium has an offering that is unique.” Source: SANews.gov.zalast_img read more

Clinton’s Big, Confusing Speech (Kind of) Takes Aim At Uber and Airbnb

first_imgWill Development Eventually Make Itself Obsolete? Tags:#Airbnb#Freelance#Hillary Clinton#Policiticans#policy#Politicians#Presidential Campaign#sharing economy#Shyp#Uber Related Posts How OKR’s Completely Transformed Our Culture gregory ferensteincenter_img Tips for Selling Smart Supply Chain Solutions This post appears courtesy of the Ferenstein Wire, a syndicated news service. Publishing partners may edit posts. For inquiries, please email author and publisher Gregory Ferenstein.Today, at a speech at the New School in New York City, Presidential hopeful Hillary Clinton just laid out her economic vision—sort of. Her remarks included statements that could have implications for companies like Uber and Airbnb, but their ambiguity may leave the entire “sharing economy” industry scratching its head. Clinton said she “vows to crack down on employers who misclassify workers as independent contractors,” calling the behavior “wage theft.” She also noted that the “so-called ‘gig economy’ offers exciting opportunities but raises hard questions about workplace protections and what a good job will look like in the future.” See also: A Silicon Valley Startup Explains Why It’s Ditching FreelancersShe was referring to businesses powered by legions of independent contractors, a work model popular among some tech companies. Clinton didn’t offer specifics, so it’s not clear whether she’ll be a friend or foe to such companies. That could make it hard for both startups and investors to plan for the future. Betting on businesses that hinge on the freelance model could be especially tough, if they’re met with resistance at the presidential level. Policy MattersA California commission recently ruled that Uber must pay employee-like benefits to a driver who worked what amounted to full-time hours for the company. If used as precedent, the decision could put the contractor model in jeopardy. Already, some companies, like Shyp, have begun to reexamine their workforce policies. (Though Shyp denies it has anything to do with the ruling.) The matter’s complexity belies the simplified rhetoric it seems to have taken on. On one hand, treating all full-time workers equally—with the same benefits and protections—sounds only fair. Then again, if such businesses are on the hook for expensive benefits, like health insurance and overtime pay, those challenges could prevent them from hiring as many people, or allowing for the flexible arrangements that some freelancers rely on. See also: What Google Got Right With Its Carpooling ServiceLike with so many areas of technology, startups and those who would fund them need to pay attention to policy, as well as those who would make it. This is not likely to be the last time the freelance workforce becomes a talking point in a campaign trail increasingly focused on the economy and its effects on the middle class.  Well, on the flip side, there’s at least one candidate whose position on the “gig economy” seems clear: According to Politico’s Mike Allen, Republican candidate Jeb Bush is planning to ride an Uber during a San Francisco trip to showcase his support for Silicon Valley startups. It’s a transparent gimmick, but at the very least, there’s no confusion over which side he supports. Clinton better offer specifics soon, lest she be branded an enemy of innovation. For more stories like this, subscribe to the Ferenstein Wire newsletter here. Lead photo by Marc Nozell End-of-Life Software: Keep it, Update it, or Fi…last_img read more

Food and Fuel: 2 Grand Challenges Facing Us this Earth Day

first_imgSince the very first Earth Day more than four decades ago, the environmental movement has tackled a wide range of problems, including air pollution, contaminated water, deforestation, biodiversity loss, and more. But this Earth Day, I propose that there are two fundamental issues the movement must address over the coming decade if it is ever to defuse the tension between development and the environment. In fact, these two issues underlie many, if not most, of the world’s environmental challenges.I’m referring here to the human quest for food and the human quest for fuel.Unsustainable Food ProductionFood production has significant―but often underestimated―impacts on the environment. Take climate, for instance: About one-quarter of the world’s annual greenhouse gas emissions are agriculture-related. In particular, nearly 13 percent of global emissions comes from livestock, fertilizer use, and farm-related energy consumption, while another 11 percent results from the clearing of forests and other ecosystems, primarily for agriculture.Take water: Agriculture is responsible for approximately 70 percent of the world’s freshwater withdrawals and up to 85 percent of its freshwater consumption. Farming also impacts water quality; excess fertilizer washes from farm fields into waterways, creating massive “dead zones” in lakes and coastal waters.Or take land: Today, nearly 50 percent of the planet’s land mass outside of deserts and permanent ice is used for growing food. Next time you take a flight, look out the window. Most of what you will see isn’t cities and concrete; it’s farms and pastures.And then there are the oceans. Fishing now occurs across one-third of the world’s marine surface, and unsustainable fishing threatens 60 percent of the world’s coral reefs.The Environmental Costs of FuelThe human quest for fuel―or energy―has similar, wide-scale impacts. Take climate, once again: About two-thirds of global greenhouse gas emissions arise from burning coal, oil, and natural gas for power, heat, and mobility.Take air pollution: Burning coal is a major source of sulfur dioxide, nitrogen oxide, particulate matter, and mercury emissions, which are implicated in smog, acid rain, and various human health problems. And recent events in Beijing—where residents inhale life-threatening pollutants—remind us that urban air pollution woes are far from over.Or take water: Energy demand for freshwater withdrawal is projected to double by 2030.Our Mission, Should We Choose to Accept ItOf course, all of this doesn’t mean we should forgo food and fuel. We all need to eat; we all need energy to improve our lives. And food and fuel are critical for the global economy. Although it directly accounts for just 3 percent of global GDP, agriculture employs more than 2 billion people. That’s more than one-quarter of the human population. Likewise, the energy sector is a large direct and indirect employer around the world.If the aspirations of Earth Day are ever to be realized, then figuring out how to implement sustainable agriculture and deploy sustainable energy at scale will need to be a strong focus of the environmental movement. Such a focus would directly tackle the underlying causes of most of the world’s environmental challenges. It would ensure environmentalism aligns with human development—little is more basic to human well-being than food and energy. And such a focus would be relevant for all nations—every country is concerned about its food and energy security.So it boils down to food and fuel. Fix these, and much of the rest may fall into place.last_img read more

Amended Road Traffic Act to Cover Areas to Reduce Crashes

first_img Statistics cited by Dr .Wheatley, based on those published by the National Road Safety Council (NRSC), revealed that since the start of the year, 149 persons have been killed in traffic crashes. Science, Energy and Technology Minister, Dr. the Hon. Andrew Wheatley, says certain areas to be covered in the amended Road Traffic Act will aid in the reduction of fatalities on the nation’s roads. Science, Energy and Technology Minister, Dr. the Hon. Andrew Wheatley, says certain areas to be covered in the amended Road Traffic Act will aid in the reduction of fatalities on the nation’s roads.These include establishment of the Island Traffic Authority and its functions, the road code, classification of vehicles; revocation of certificates of fitness; refusal of the learner’s permit or driver’s licence; and offences related to the licensing of a driver.“That is why we are vigorously pursuing the passage of the amended Road Traffic Act. The Government continues to take seriously its responsibility in creating safer roads, particularly for children and other vulnerable road users,” the Minister said.Dr. Wheatley was speaking at the Jamaica Gasolene Retailers Association (JGRA) Annual Launch of Road Safety Month, at the Molynes Road Texaco Station in St. Andrew, on June 7.The Minister called for more Jamaicans to exercise caution on the roadways.“I am urging motorists to desist from speeding, to wear seat belts, practise defensive driving and to avoid the use of cell phones while driving,” he said.The call was also extended to motorcyclists and pedestrians to exercise caution when using the roadways and to wear brightly coloured clothing where necessary, in order to increase visibility.Statistics cited by Dr .Wheatley, based on those published by the National Road Safety Council (NRSC), revealed that since the start of the year, 149 persons have been killed in traffic crashes.The figure represents a 21 per cent decline over the similar period for 2016 when 170 deaths were recorded.Meanwhile, Transport and Mining Minister, Hon. Mike Henry, said the aim of the Government is to make it “safe and enjoyable” to travel on the roads.He noted that the increasing number of people killed on the roads between the ages of 19 and 35 is “unacceptable” and it is important to pursue a decline in road fatalities.Mr. Henry pointed out that fourth- and fifth-form students from the Denbigh High School in Clarendon will be trained in the analysis of the vehicle black box.The black box or event data recorders (EDRs) are not only unique to airplanes, but can also be found in most motor vehicles.They record not only times when an airbag has been deployed, but include information on vehicle speed, throttle position, whether the brakes were applied, if seatbelts were worn, engine speed and steering angles.For his part, JGRA President, Phillip Chong, said that road safety has been a fixture of the organisation since 1990. These include establishment of the Island Traffic Authority and its functions, the road code, classification of vehicles; revocation of certificates of fitness; refusal of the learner’s permit or driver’s licence; and offences related to the licensing of a driver. Story Highlightslast_img read more