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"disqusTitle": "Covered California Health Plans to Include Children's Dental Next Year",
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"headTitle": "State of Health | KQED News",
"content": "\u003cfigure id=\"attachment_17321\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://www.flickr.com/photos/ianus/25545229/sizes/l/\">\u003cimg class=\"size-large wp-image-17321\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/25545229_bd787b87db_b-640x480.jpg\" alt=\"(ianus/Flickr)\" width=\"640\" height=\"480\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(ianus/Flickr)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Lisa Aliferis and April Dembosky\u003c/strong>\u003c/p>\n\u003cp>It was a \u003ca href=\"https://www.facebook.com/photo.php?fbid=517407004992284&set=a.517406901658961.1073741828.296960763703577&type=3&permPage=1\" target=\"_blank\">big debate\u003c/a> last summer. While children's dental coverage is one of the Affordable Care Act's 10 essential health benefits, the ACA gives states the flexibility to offer the coverage in a stand alone plan. Covered California first required insurers to include children's dental, then told them to strip out the benefit, in favor of \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/08/08/kids-dental-plans-cost-extra-in-new-health-marketplace/\" target=\"_blank\">offering stand alone plans\u003c/a> at an additional cost.\u003c/p>\n\u003cp>Now the data is in. Less than one-third of enrolled children on Covered California through 2013 also has dental coverage. Executive director Peter Lee says the additional cost appears to be on issue. \"A lot of folks are low income,\" he said. \"They’re thinking additional coverage versus food on the table.\"\u003c/p>\n\u003cp>Covered California's board voted Thursday to make a change. Starting in 2015 all medical plans for children sold through the marketplace will be required to include dental coverage.\u003c!--more-->\u003c/p>\n\u003cp>Kathleen Hamilton of The Children's Partnership, an advocacy group, said she was \"very pleased, very excited by the 180 degree turn\" that the board took.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>She said that many people misunderstand how severe dental disease can be in children and its connection to overall medical health. \"If kids have dental disease, their nutrition is impaired because they can't eat properly,\" she said. She added that children miss school due to pain and dental infections. The pain may lead to poor sleep -- and sleep deprived children have more trouble paying attention in school.\u003c/p>\n\u003cp>Some dental insurers disagreed with the board's move. Delta Dental’s Jeff Album says the change will encourage medical insurers to partner with less-expensive HMO dental plans that may have a limited number of providers.\u003c/p>\n\u003cp>\"That means everyone in 2014 in a PPO stands a very good chance of losing their dentist,\" Album said. \"They’re going to have about half the choice that they have today.\"\u003c/p>\n\u003cp>Hamilton agreed that availability of providers is an issue. She said that Covered California and the Department of Health Care Services, which oversees the state's Medi-Cal program, still must work \"to ensure that networks are adequate and that families have access to dentists in their communities.\"\u003c/p>\n\u003cp>Covered California says it may allow people to buy extra dental coverage if they want to keep their dentist.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/131188848&color=ff5500&auto_play=false&show_artwork=true\" frameborder=\"no\" scrolling=\"no\" width=\"100%\" height=\"166\">\u003c/iframe>\u003c/p>\n\n",
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"excerpt": "It was a big debate last summer. While children's dental coverage is one of the Affordable Care Act's 10 essential health benefits, the ACA gives states the flexibility to offer the coverage in a stand alone plan. Covered California first required insurers to include children's dental, then told them to strip out the benefit, in favor of offering stand alone plans at an additional cost.\r\n\r\nNow the data is in. Less than one-third of enrolled children on Covered California through 2013 also has dental coverage. Executive director Peter Lee says the additional cost appears to be on issue. \"A lot of folks are low income,\" he said. \"They’re thinking additional coverage versus food on the table.\"",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_17321\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://www.flickr.com/photos/ianus/25545229/sizes/l/\">\u003cimg class=\"size-large wp-image-17321\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/25545229_bd787b87db_b-640x480.jpg\" alt=\"(ianus/Flickr)\" width=\"640\" height=\"480\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(ianus/Flickr)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Lisa Aliferis and April Dembosky\u003c/strong>\u003c/p>\n\u003cp>It was a \u003ca href=\"https://www.facebook.com/photo.php?fbid=517407004992284&set=a.517406901658961.1073741828.296960763703577&type=3&permPage=1\" target=\"_blank\">big debate\u003c/a> last summer. While children's dental coverage is one of the Affordable Care Act's 10 essential health benefits, the ACA gives states the flexibility to offer the coverage in a stand alone plan. Covered California first required insurers to include children's dental, then told them to strip out the benefit, in favor of \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/08/08/kids-dental-plans-cost-extra-in-new-health-marketplace/\" target=\"_blank\">offering stand alone plans\u003c/a> at an additional cost.\u003c/p>\n\u003cp>Now the data is in. Less than one-third of enrolled children on Covered California through 2013 also has dental coverage. Executive director Peter Lee says the additional cost appears to be on issue. \"A lot of folks are low income,\" he said. \"They’re thinking additional coverage versus food on the table.\"\u003c/p>\n\u003cp>Covered California's board voted Thursday to make a change. Starting in 2015 all medical plans for children sold through the marketplace will be required to include dental coverage.\u003c!--more-->\u003c/p>\n\u003cp>Kathleen Hamilton of The Children's Partnership, an advocacy group, said she was \"very pleased, very excited by the 180 degree turn\" that the board took.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>She said that many people misunderstand how severe dental disease can be in children and its connection to overall medical health. \"If kids have dental disease, their nutrition is impaired because they can't eat properly,\" she said. She added that children miss school due to pain and dental infections. The pain may lead to poor sleep -- and sleep deprived children have more trouble paying attention in school.\u003c/p>\n\u003cp>Some dental insurers disagreed with the board's move. Delta Dental’s Jeff Album says the change will encourage medical insurers to partner with less-expensive HMO dental plans that may have a limited number of providers.\u003c/p>\n\u003cp>\"That means everyone in 2014 in a PPO stands a very good chance of losing their dentist,\" Album said. \"They’re going to have about half the choice that they have today.\"\u003c/p>\n\u003cp>Hamilton agreed that availability of providers is an issue. She said that Covered California and the Department of Health Care Services, which oversees the state's Medi-Cal program, still must work \"to ensure that networks are adequate and that families have access to dentists in their communities.\"\u003c/p>\n\u003cp>Covered California says it may allow people to buy extra dental coverage if they want to keep their dentist.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/131188848&color=ff5500&auto_play=false&show_artwork=true\" frameborder=\"no\" scrolling=\"no\" width=\"100%\" height=\"166\">\u003c/iframe>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Signing up the Homeless, One at a Time",
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"content": "\u003cfigure id=\"attachment_17295\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/162869267-e1390435540180.jpg\">\u003cimg class=\"size-large wp-image-17295\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/162869267-640x397.jpg\" alt=\"Man sits in Skid Row area of Los Angeles. Advocates say homeless people tend to have complex health problems. (Kevork Djansezian/Getty Images)\" width=\"640\" height=\"397\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Man sits in Skid Row area of Los Angeles. Advocates say homeless people tend to have complex health problems. (Kevork Djansezian/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Anna Gorman\u003c/strong>,\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/January/07/signing-up-the-homeless-for-health-coverage-in-Los-Angeles.aspx\" target=\"_blank\"> Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>On a recent winter morning, health outreach worker Christopher Mack walked through the streets and alleys of the city’s Skid Row, passing a man pulling a rusty shopping cart and a woman asleep on a crumpled blue tarp. The smell of marijuana wafted through the cold air.\u003c/p>\n\u003cp>\"Do you have health insurance?\" Mack, a towering man with long dreadlocks, asked one woman. \"Do you go to the doctor?\" he asked another.\u003c/p>\n\u003cp>Homeless men and women who didn’t qualify for insurance in the past now have the chance to sign up, and Mack -- who was once homeless himself -- is there to help.\u003c/p>\n\u003cp>The Affordable Care Act allows states to expand Medicaid to include poor people without children or disabilities who haven’t been able to get the free insurance in the past. Experts say determining how many homeless people are eligible for Medicaid is difficult but estimates range from about 500,000 to as many as 1.2 million. California is one of the 25 states (plus Washington, D.C.) that is expanding its Medicaid program, called Medi-Cal here.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The National Health Care for the Homeless Council, based in Tennessee, has held training sessions and webinars for outreach workers nationwide on how best to reach homeless people, many of whom have complex medical conditions and little knowledge of health insurance. The federal government also has given outreach grants to community health centers, which treat more than one million homeless patients each year.\u003c/p>\n\u003cp>Advocates said most of the work will occur at a grassroots level. Across the country, advocates and outreach workers are visiting shelters, churches, encampments and soup kitchens to tell homeless residents about their new insurance options and to help them get enrolled.\u003c/p>\n\u003cp>Insuring homeless people and connecting them to doctors could lead to more routine medical care and less reliance on costly emergency rooms, doctors and health care advocates say. The effort also may help them get them off the streets by addressing unmet health needs and connecting them to housing and other necessary services.\u003c/p>\n\u003cp>\"They are very complicated patients,\" said Michael Cousineau, a health policy expert at University of Southern California's Keck School of Medicine. Engaging homeless people and bringing them into medical care, Cousineau said, \"is a very important first step to helping stabilize this population.\"\u003c/p>\n\u003cp>Outreach and enrollment among the homeless is challenging, however, in large part because many are addicted to drugs or are mentally ill, and they distrust government and public programs. Homeless people are transient and usually lack permanent mailing addresses. And while many live in plain sight, others are harder to find, hidden beneath bridges or under freeway overpasses.\u003c/p>\n\u003cp>Mack knows the barriers well. A former addict himself, he spent decades on the streets before getting clean. Now, he is a lead outreach worker for the John Wesley Community Health or JWCH Institute in Los Angeles, which has several clinics that provide health care and other services to the homeless and underserved.\u003c/p>\n\u003cp>\u003cstrong>No I.D. Needed\u003c/strong>\u003c/p>\n\u003cp>On this morning, he stepped out of one clinic and soon saw Martha Castro, a 64-year-old woman hunched over, a scarf wrapped around her face to ward off the cold.\u003c/p>\n\u003cp>Slurring her words, she said that she had been homeless for four years and had been to the doctor just once, to be treated for a lung infection.\u003c/p>\n\u003cp>\"If anything else happens to you, you can come now again,\" Mack said, explaining that she may qualify for insurance.\u003c/p>\n\u003cp>She shook her head emphatically. \"No, I don’t want to apply for nothing else right now.\"\u003c/p>\n\u003cp>Castro said she didn’t have any identification or money. \"We are here from Skid Row,\" she said. \"How we gonna have insurance for the clinic?\"\u003c/p>\n\u003cp>The coverage is free and she only needs a Social Security number to apply, but Mack knows now isn’t the time to explain further. He can’t push anyone to enroll or go to the doctor. He has to gain their trust over time, helping them see the upside to coverage. \"You let the person decide for themselves,\" Mack said. \"You never know when it might be the day.\"\u003c/p>\n\u003cp>The sooner the better, said Dr. Dennis Bleakley of the JWCH Institute. Many homeless people suffer from chronic diseases such as diabetes, high blood pressure and asthma, and they often wait until they are in dire shape to seek medical treatment.\u003c/p>\n\u003cp>From their perspective, they have much more important and urgent things to worry about, Bleakley said. \"They are literally sleeping on a doorstep.\"\u003c/p>\n\u003cp>\u003cstrong>'God Bless You'\u003c/strong>\u003c/p>\n\u003cp>At the busy JWCH clinic the morning after Mack’s Skid Row visit, enrollment workers were signing up patients for Medi-Cal, California’s Medicaid program, and making sure they knew where to go for care.\u003c/p>\n\u003cp>George Farag, 56, who sleeps at a local mission each night, said he lost his job as a security guard when he fell asleep on duty. He ended up on the streets and got hit by a car, resulting in a leg injury that causes him to limp.\u003c/p>\n\u003cp>Farag, an Egyptian immigrant who speaks with a thick accent, also has asthma, diabetes, depression and insomnia.\u003c/p>\n\u003cp>\"This is the final step before your transition into Medi-Cal,\" enrollment worker Alberto Moreno told him. \"Your doctor will be assigned here.\"\u003c/p>\n\u003cp>\"God bless you,\" responded Farag, carrying a black plastic bag filled with papers.\u003c/p>\n\u003cp>Mack tries to put the patients at ease.\u003c/p>\n\u003cp>On Skid Row, he stopped to talk to Sakeenah Borscha, an overweight woman sitting on a motorized scooter overflowing with bags of belongings.\u003c/p>\n\u003cp>Recently arrived from Arizona, Borsha said she was diabetic and had an injured knee. She needed medication for both, she told Mack. She’d had coverage in the past but didn’t know if she was still insured.\u003c/p>\n\u003cp>Mack patted her knee and smiled.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\"Come see me in the morning,\" he said before heading back through the maze of shopping carts, tarps and tents.\u003c/p>\n\n",
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"excerpt": "On a recent winter morning, health outreach worker Christopher Mack walked through the streets and alleys of the city’s Skid Row, passing a man pulling a rusty shopping cart and a woman asleep on a crumpled blue tarp. The smell of marijuana wafted through the cold air.\r\n\r\n\"Do you have health insurance?\" Mack, a towering man with long dreadlocks, asked one woman. \"Do you go to the doctor?\" he asked another.\r\n\r\nHomeless men and women who didn’t qualify for insurance in the past now have the chance to sign up, and Mack -- who was once homeless himself -- is there to help.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_17295\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/162869267-e1390435540180.jpg\">\u003cimg class=\"size-large wp-image-17295\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/162869267-640x397.jpg\" alt=\"Man sits in Skid Row area of Los Angeles. Advocates say homeless people tend to have complex health problems. (Kevork Djansezian/Getty Images)\" width=\"640\" height=\"397\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Man sits in Skid Row area of Los Angeles. Advocates say homeless people tend to have complex health problems. (Kevork Djansezian/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Anna Gorman\u003c/strong>,\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/January/07/signing-up-the-homeless-for-health-coverage-in-Los-Angeles.aspx\" target=\"_blank\"> Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>On a recent winter morning, health outreach worker Christopher Mack walked through the streets and alleys of the city’s Skid Row, passing a man pulling a rusty shopping cart and a woman asleep on a crumpled blue tarp. The smell of marijuana wafted through the cold air.\u003c/p>\n\u003cp>\"Do you have health insurance?\" Mack, a towering man with long dreadlocks, asked one woman. \"Do you go to the doctor?\" he asked another.\u003c/p>\n\u003cp>Homeless men and women who didn’t qualify for insurance in the past now have the chance to sign up, and Mack -- who was once homeless himself -- is there to help.\u003c/p>\n\u003cp>The Affordable Care Act allows states to expand Medicaid to include poor people without children or disabilities who haven’t been able to get the free insurance in the past. Experts say determining how many homeless people are eligible for Medicaid is difficult but estimates range from about 500,000 to as many as 1.2 million. California is one of the 25 states (plus Washington, D.C.) that is expanding its Medicaid program, called Medi-Cal here.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The National Health Care for the Homeless Council, based in Tennessee, has held training sessions and webinars for outreach workers nationwide on how best to reach homeless people, many of whom have complex medical conditions and little knowledge of health insurance. The federal government also has given outreach grants to community health centers, which treat more than one million homeless patients each year.\u003c/p>\n\u003cp>Advocates said most of the work will occur at a grassroots level. Across the country, advocates and outreach workers are visiting shelters, churches, encampments and soup kitchens to tell homeless residents about their new insurance options and to help them get enrolled.\u003c/p>\n\u003cp>Insuring homeless people and connecting them to doctors could lead to more routine medical care and less reliance on costly emergency rooms, doctors and health care advocates say. The effort also may help them get them off the streets by addressing unmet health needs and connecting them to housing and other necessary services.\u003c/p>\n\u003cp>\"They are very complicated patients,\" said Michael Cousineau, a health policy expert at University of Southern California's Keck School of Medicine. Engaging homeless people and bringing them into medical care, Cousineau said, \"is a very important first step to helping stabilize this population.\"\u003c/p>\n\u003cp>Outreach and enrollment among the homeless is challenging, however, in large part because many are addicted to drugs or are mentally ill, and they distrust government and public programs. Homeless people are transient and usually lack permanent mailing addresses. And while many live in plain sight, others are harder to find, hidden beneath bridges or under freeway overpasses.\u003c/p>\n\u003cp>Mack knows the barriers well. A former addict himself, he spent decades on the streets before getting clean. Now, he is a lead outreach worker for the John Wesley Community Health or JWCH Institute in Los Angeles, which has several clinics that provide health care and other services to the homeless and underserved.\u003c/p>\n\u003cp>\u003cstrong>No I.D. Needed\u003c/strong>\u003c/p>\n\u003cp>On this morning, he stepped out of one clinic and soon saw Martha Castro, a 64-year-old woman hunched over, a scarf wrapped around her face to ward off the cold.\u003c/p>\n\u003cp>Slurring her words, she said that she had been homeless for four years and had been to the doctor just once, to be treated for a lung infection.\u003c/p>\n\u003cp>\"If anything else happens to you, you can come now again,\" Mack said, explaining that she may qualify for insurance.\u003c/p>\n\u003cp>She shook her head emphatically. \"No, I don’t want to apply for nothing else right now.\"\u003c/p>\n\u003cp>Castro said she didn’t have any identification or money. \"We are here from Skid Row,\" she said. \"How we gonna have insurance for the clinic?\"\u003c/p>\n\u003cp>The coverage is free and she only needs a Social Security number to apply, but Mack knows now isn’t the time to explain further. He can’t push anyone to enroll or go to the doctor. He has to gain their trust over time, helping them see the upside to coverage. \"You let the person decide for themselves,\" Mack said. \"You never know when it might be the day.\"\u003c/p>\n\u003cp>The sooner the better, said Dr. Dennis Bleakley of the JWCH Institute. Many homeless people suffer from chronic diseases such as diabetes, high blood pressure and asthma, and they often wait until they are in dire shape to seek medical treatment.\u003c/p>\n\u003cp>From their perspective, they have much more important and urgent things to worry about, Bleakley said. \"They are literally sleeping on a doorstep.\"\u003c/p>\n\u003cp>\u003cstrong>'God Bless You'\u003c/strong>\u003c/p>\n\u003cp>At the busy JWCH clinic the morning after Mack’s Skid Row visit, enrollment workers were signing up patients for Medi-Cal, California’s Medicaid program, and making sure they knew where to go for care.\u003c/p>\n\u003cp>George Farag, 56, who sleeps at a local mission each night, said he lost his job as a security guard when he fell asleep on duty. He ended up on the streets and got hit by a car, resulting in a leg injury that causes him to limp.\u003c/p>\n\u003cp>Farag, an Egyptian immigrant who speaks with a thick accent, also has asthma, diabetes, depression and insomnia.\u003c/p>\n\u003cp>\"This is the final step before your transition into Medi-Cal,\" enrollment worker Alberto Moreno told him. \"Your doctor will be assigned here.\"\u003c/p>\n\u003cp>\"God bless you,\" responded Farag, carrying a black plastic bag filled with papers.\u003c/p>\n\u003cp>Mack tries to put the patients at ease.\u003c/p>\n\u003cp>On Skid Row, he stopped to talk to Sakeenah Borscha, an overweight woman sitting on a motorized scooter overflowing with bags of belongings.\u003c/p>\n\u003cp>Recently arrived from Arizona, Borsha said she was diabetic and had an injured knee. She needed medication for both, she told Mack. She’d had coverage in the past but didn’t know if she was still insured.\u003c/p>\n\u003cp>Mack patted her knee and smiled.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"Come see me in the morning,\" he said before heading back through the maze of shopping carts, tarps and tents.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Just Over 500,000 People Enrolled in Covered California in 2013 -- Some Report Problems",
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"content": "\u003cfigure id=\"attachment_16356\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-e1385142271347.jpg\">\u003cimg class=\"size-large wp-image-16356\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-640x426.jpg\" alt=\"Peter Lee, executive director of Covered California, said he is pleased with the number of young people who have enrolled so far. (Max Whitaker/Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Peter Lee, executive director of Covered California. (Max Whitaker/Getty Images) \u003ccite>(Max Whitaker/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In issuing a final tally of 2013 enrollment, Covered California reported Monday that 500,108 people signed up for one of its health plans. Another 125,000 people enrolled in a health plan during the first two weeks of January, said Peter Lee, executive director of the agency.\u003c/p>\n\u003cp>\"The momentum we have from the end of last year is still going strong,\" Lee said in a press conference.\u003c/p>\n\u003caside class=\"pullquote alignleft\">At her first doctor's appointment, she was told that the practice was not taking any Covered California plans. \u003c/aside>\n\u003cp>Medi-Cal, California's public health insurance program for people who are low income or disabled, also showed strong enrollment -- 584,000 additional applicants to Covered California appear to be eligible. When adding that number to the 630,000 Californians who transitioned to Medi-Cal from the Low Income Health Program on Jan. 1, more than 1.2 million Californians are newly insured in Medi-Cal. \"Powerful numbers,\" Lee said. \"We are touching millions of Californians.\"\u003c!--more-->\u003c/p>\n\u003cp>Covered California released a boatload of \u003ca href=\"http://coveredcanews.blogspot.com/2014/01/milestone-enrollment-numbers-released.html\" target=\"_blank\">demographic data\u003c/a>, but Lee spotlighted a couple areas in particular. First, the coveted 18-34 group (coveted because youth is a proxy for healthy) now makes up 25 percent of all enrollees, up from 21 percent at the end of November. But 36 percent of California's subsidy-eligible population is 18-34. Lee acknowledged that Covered California has more work to do to increase the enrollment of younger adults.\u003c/p>\n\u003cp>Latinos are also a coveted group (again, because Latinos as a group are younger than the population as a whole and presumably healthier). Of the 78 percent of Covered California applicants who reported their ethnicity, nearly 19 percent said they are Hispanic. While that number seems like a big improvement since early December, when \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/13/states-insurance-marketplace-enrollment-leads-nation-but-few-latinos-sign-up/\" target=\"_blank\">4.6 percent\u003c/a> of enrollees said they spoke Spanish as a first language, it requires a bit of parsing of the data to compare apples to apples.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Yes, as of Dec. 31, 18.7 percent of enrollees checked the box \"Hispanic\" when enrolling on Covered California, but just 5.5 percent of enrollees said they preferred to received Covered California information in Spanish. Statewide, nearly 29 percent of Californians speak Spanish at home. This low enrollment of people whose first language is Spanish suggests that Covered California needs to improve its outreach to immigrants -- an effort Lee says the agency is working on.\u003c/p>\n\u003cp>\u003cstrong>Problems accessing insurance\u003c/strong>\u003c/p>\n\u003cp>Of course, enrollment in a health insurance plan is of little use if people cannot use it to see a doctor. Sue Kearney of Oakland says she is self-employed, and until she enrolled in Covered California was \"paying $550-plus a month for a really crappy $5,000 deductible plan.\" She signed up for the only PPO plan she found in her area -- Anthem Blue Cross. After her subsidy, she's paying about $65 a month. She says she enrolled in late October or early November.\u003c/p>\n\u003cp>Kearney has had health problems and was careful to make sure her doctors were in her plan's network of providers before she enrolled. She then made doctor appointments for early January. But at the first appointment, she was told that the practice was not taking any Covered California plans. Kearney says she called her other doctors and got the same response. Then she visited Anthem's online provider database, which showed her only those doctors who were in her network. She says she called eight or 10 of those primary care doctors. Even though they were all listed as taking her insurance, when she called each doctor's office, she was told that they were not taking any Covered California plans.\u003c/p>\n\u003cp>Last week, I contacted Darrel Ng, spokesman for Anthem Blue Cross. Kearney, Ng and I ended up on a conference call while he tried to sort out the problem. As of Monday afternoon, Kearney says Ng had connected her with a specific customer service representative who is working to determine what doctors in her area do take her insurance. It's unclear right now if there's a glitch in the system or if Kearney's network of doctors is limited. We will report back as it unfolds.\u003c/p>\n\u003cp>In the meantime, Kearney needs lab tests. She says the customer service representative assured her that a specific laboratory group takes her insurance. Both \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/10/no-obamacare-insurance-invoice-keep-trying-to-pay-but-dont-worry-says-covered-california/\" target=\"_blank\">Covered California\u003c/a> and the California Association of Health Plans have repeatedly stressed that anyone who is covered should not put off care, that coverage will be honored. But Kearney is leery.\u003c/p>\n\u003cp>\"I only have his word for it that I can have this long list of labs drawn,\" she said. \"I don't have it in writing.\"\u003c/p>\n\u003cp>In addition, Kearney has paid her January premium twice. She paid it by mail, but when the check didn't clear, she worried she would be uninsured. So she called Anthem and paid over the phone. As of Monday afternoon, neither payment had cleared her bank account.\u003c/p>\n\u003cp>\u003cstrong>Problems confirming enrollment\u003c/strong>\u003c/p>\n\u003cp>Kuei Lin Liu of Richmond signed up on Nov. 11 with Blue Shield. She was \"very interested in coverage,\" she says. She and her husband are expecting their third child on May 31. She provided \"all supporting documents,\" she says, and got an application number confirming her application had been submitted.\u003c/p>\n\u003cp>Then she waited. And waited some more.\u003c/p>\n\u003caside class=\"pullquote alignright\">Preliminary data: more than three-quarters of enrollees have paid their January premium. \u003c/aside>\n\u003cp>In early December she started making calls to both Covered California and Blue Shield. Blue Shield said it had no record of her enrollment, but said her application should be uploaded from Covered California soon. She says every time she talked to Blue Shield, they would \"push the day forward\" by which her application would be transferred.\u003c/p>\n\u003cp>\"By the end of December, I got really anxious,\" Liu said. \"No one could tell me where my application was.\" Covered California and Blue Shield \"were pointing a finger at each other.\"\u003c/p>\n\u003cp>In desperation, Liu reached out to insurance broker \u003ca href=\"http://insuremekevin.com\" target=\"_blank\">Kevin Knauss\u003c/a>. He submitted a new application for her and got a confirming case number and application number. But again, when Liu called Blue Shield, they still had no record of her. A customer service representative promised to investigate and call her back by a certain date, she says. But she received no follow up call.\u003c/p>\n\u003cp>\"I was hoping I would get coverage like I was promised,\" Liu told me. \"Every time I call, it's a couple hours' wait.\"\u003c/p>\n\u003cp>Sean Barry, a Blue Shield spokesman, said by email that privacy laws barred him from commenting directly on Liu's case. \"We are loading thousands of applications and payments into our systems daily,\" he said in his email. \"So an individual's status in our systems is not static by any means. In the cases where an enrollee cannot be verified, it is usually because his or her information is still being processed -- but we are typically able to verify within a couple of days.\"\u003c/p>\n\u003cp>But it's been more than two months since Liu first enrolled. Since she can't get anyone to confirm her enrollment, Liu hasn't been able to pay her January invoice. She considers herself uninsured and signed up for an off-exchange plan with no subsidy. \"I gave up on Covered California,\" she says.\u003c/p>\n\u003cp>Knauss says that of the customers he has helped apply, two more have confirmation of enrollment, but are not recognized by their plans.\u003c/p>\n\u003cp>\u003cstrong>Better payment options coming\u003c/strong>\u003c/p>\n\u003cp>Peter Lee acknowledged that \"the plans and Covered California itself was slammed by huge volume,\" which he said surprised \"all of us.\" He said health plans are working to bring down their call center hold times.\u003c/p>\n\u003cp>Covered California will not have specific premium payment data until mid-February -- that's because \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/15/deadline-to-pay-obamacare-premiums-is-tonight-except-anthem-blue-cross-kaiser/\" target=\"_blank\">some plans\u003c/a> have extended their Jan. premium payment due date to later this month. Lee said that \"our early indications are that well over three-fourths of people\" have paid their January premiums. That could leave 125,000 people who have enrolled but not paid. It's hard to know whether people like Kearney and Liu are included in the count.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>Three plans -- Contra Costa Health Plan, Western Health Advantage and Chinese Community Health Plan -- have established an online payment option, and others are improving their payment systems, he said. \"When we hit March, every plan will have a better (payment) plan in place.\"\u003c/p>\n\n",
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"excerpt": "In issuing a final tally of enrollment, Covered California reported Monday morning that 500,108 people enrolled in one of its health plans. Another 125,000 people enrolled in a health plan during the first two weeks of January, said Peter Lee, executive director of the agency.\r\n\r\n\"The momentum we have from the end of last year is still going strong,\" Lee said in a press conference.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16356\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-e1385142271347.jpg\">\u003cimg class=\"size-large wp-image-16356\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-640x426.jpg\" alt=\"Peter Lee, executive director of Covered California, said he is pleased with the number of young people who have enrolled so far. (Max Whitaker/Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Peter Lee, executive director of Covered California. (Max Whitaker/Getty Images) \u003ccite>(Max Whitaker/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In issuing a final tally of 2013 enrollment, Covered California reported Monday that 500,108 people signed up for one of its health plans. Another 125,000 people enrolled in a health plan during the first two weeks of January, said Peter Lee, executive director of the agency.\u003c/p>\n\u003cp>\"The momentum we have from the end of last year is still going strong,\" Lee said in a press conference.\u003c/p>\n\u003caside class=\"pullquote alignleft\">At her first doctor's appointment, she was told that the practice was not taking any Covered California plans. \u003c/aside>\n\u003cp>Medi-Cal, California's public health insurance program for people who are low income or disabled, also showed strong enrollment -- 584,000 additional applicants to Covered California appear to be eligible. When adding that number to the 630,000 Californians who transitioned to Medi-Cal from the Low Income Health Program on Jan. 1, more than 1.2 million Californians are newly insured in Medi-Cal. \"Powerful numbers,\" Lee said. \"We are touching millions of Californians.\"\u003c!--more-->\u003c/p>\n\u003cp>Covered California released a boatload of \u003ca href=\"http://coveredcanews.blogspot.com/2014/01/milestone-enrollment-numbers-released.html\" target=\"_blank\">demographic data\u003c/a>, but Lee spotlighted a couple areas in particular. First, the coveted 18-34 group (coveted because youth is a proxy for healthy) now makes up 25 percent of all enrollees, up from 21 percent at the end of November. But 36 percent of California's subsidy-eligible population is 18-34. Lee acknowledged that Covered California has more work to do to increase the enrollment of younger adults.\u003c/p>\n\u003cp>Latinos are also a coveted group (again, because Latinos as a group are younger than the population as a whole and presumably healthier). Of the 78 percent of Covered California applicants who reported their ethnicity, nearly 19 percent said they are Hispanic. While that number seems like a big improvement since early December, when \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/13/states-insurance-marketplace-enrollment-leads-nation-but-few-latinos-sign-up/\" target=\"_blank\">4.6 percent\u003c/a> of enrollees said they spoke Spanish as a first language, it requires a bit of parsing of the data to compare apples to apples.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Yes, as of Dec. 31, 18.7 percent of enrollees checked the box \"Hispanic\" when enrolling on Covered California, but just 5.5 percent of enrollees said they preferred to received Covered California information in Spanish. Statewide, nearly 29 percent of Californians speak Spanish at home. This low enrollment of people whose first language is Spanish suggests that Covered California needs to improve its outreach to immigrants -- an effort Lee says the agency is working on.\u003c/p>\n\u003cp>\u003cstrong>Problems accessing insurance\u003c/strong>\u003c/p>\n\u003cp>Of course, enrollment in a health insurance plan is of little use if people cannot use it to see a doctor. Sue Kearney of Oakland says she is self-employed, and until she enrolled in Covered California was \"paying $550-plus a month for a really crappy $5,000 deductible plan.\" She signed up for the only PPO plan she found in her area -- Anthem Blue Cross. After her subsidy, she's paying about $65 a month. She says she enrolled in late October or early November.\u003c/p>\n\u003cp>Kearney has had health problems and was careful to make sure her doctors were in her plan's network of providers before she enrolled. She then made doctor appointments for early January. But at the first appointment, she was told that the practice was not taking any Covered California plans. Kearney says she called her other doctors and got the same response. Then she visited Anthem's online provider database, which showed her only those doctors who were in her network. She says she called eight or 10 of those primary care doctors. Even though they were all listed as taking her insurance, when she called each doctor's office, she was told that they were not taking any Covered California plans.\u003c/p>\n\u003cp>Last week, I contacted Darrel Ng, spokesman for Anthem Blue Cross. Kearney, Ng and I ended up on a conference call while he tried to sort out the problem. As of Monday afternoon, Kearney says Ng had connected her with a specific customer service representative who is working to determine what doctors in her area do take her insurance. It's unclear right now if there's a glitch in the system or if Kearney's network of doctors is limited. We will report back as it unfolds.\u003c/p>\n\u003cp>In the meantime, Kearney needs lab tests. She says the customer service representative assured her that a specific laboratory group takes her insurance. Both \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/10/no-obamacare-insurance-invoice-keep-trying-to-pay-but-dont-worry-says-covered-california/\" target=\"_blank\">Covered California\u003c/a> and the California Association of Health Plans have repeatedly stressed that anyone who is covered should not put off care, that coverage will be honored. But Kearney is leery.\u003c/p>\n\u003cp>\"I only have his word for it that I can have this long list of labs drawn,\" she said. \"I don't have it in writing.\"\u003c/p>\n\u003cp>In addition, Kearney has paid her January premium twice. She paid it by mail, but when the check didn't clear, she worried she would be uninsured. So she called Anthem and paid over the phone. As of Monday afternoon, neither payment had cleared her bank account.\u003c/p>\n\u003cp>\u003cstrong>Problems confirming enrollment\u003c/strong>\u003c/p>\n\u003cp>Kuei Lin Liu of Richmond signed up on Nov. 11 with Blue Shield. She was \"very interested in coverage,\" she says. She and her husband are expecting their third child on May 31. She provided \"all supporting documents,\" she says, and got an application number confirming her application had been submitted.\u003c/p>\n\u003cp>Then she waited. And waited some more.\u003c/p>\n\u003caside class=\"pullquote alignright\">Preliminary data: more than three-quarters of enrollees have paid their January premium. \u003c/aside>\n\u003cp>In early December she started making calls to both Covered California and Blue Shield. Blue Shield said it had no record of her enrollment, but said her application should be uploaded from Covered California soon. She says every time she talked to Blue Shield, they would \"push the day forward\" by which her application would be transferred.\u003c/p>\n\u003cp>\"By the end of December, I got really anxious,\" Liu said. \"No one could tell me where my application was.\" Covered California and Blue Shield \"were pointing a finger at each other.\"\u003c/p>\n\u003cp>In desperation, Liu reached out to insurance broker \u003ca href=\"http://insuremekevin.com\" target=\"_blank\">Kevin Knauss\u003c/a>. He submitted a new application for her and got a confirming case number and application number. But again, when Liu called Blue Shield, they still had no record of her. A customer service representative promised to investigate and call her back by a certain date, she says. But she received no follow up call.\u003c/p>\n\u003cp>\"I was hoping I would get coverage like I was promised,\" Liu told me. \"Every time I call, it's a couple hours' wait.\"\u003c/p>\n\u003cp>Sean Barry, a Blue Shield spokesman, said by email that privacy laws barred him from commenting directly on Liu's case. \"We are loading thousands of applications and payments into our systems daily,\" he said in his email. \"So an individual's status in our systems is not static by any means. In the cases where an enrollee cannot be verified, it is usually because his or her information is still being processed -- but we are typically able to verify within a couple of days.\"\u003c/p>\n\u003cp>But it's been more than two months since Liu first enrolled. Since she can't get anyone to confirm her enrollment, Liu hasn't been able to pay her January invoice. She considers herself uninsured and signed up for an off-exchange plan with no subsidy. \"I gave up on Covered California,\" she says.\u003c/p>\n\u003cp>Knauss says that of the customers he has helped apply, two more have confirmation of enrollment, but are not recognized by their plans.\u003c/p>\n\u003cp>\u003cstrong>Better payment options coming\u003c/strong>\u003c/p>\n\u003cp>Peter Lee acknowledged that \"the plans and Covered California itself was slammed by huge volume,\" which he said surprised \"all of us.\" He said health plans are working to bring down their call center hold times.\u003c/p>\n\u003cp>Covered California will not have specific premium payment data until mid-February -- that's because \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/15/deadline-to-pay-obamacare-premiums-is-tonight-except-anthem-blue-cross-kaiser/\" target=\"_blank\">some plans\u003c/a> have extended their Jan. premium payment due date to later this month. Lee said that \"our early indications are that well over three-fourths of people\" have paid their January premiums. That could leave 125,000 people who have enrolled but not paid. It's hard to know whether people like Kearney and Liu are included in the count.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Three plans -- Contra Costa Health Plan, Western Health Advantage and Chinese Community Health Plan -- have established an online payment option, and others are improving their payment systems, he said. \"When we hit March, every plan will have a better (payment) plan in place.\"\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cfigure id=\"attachment_16141\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/140007839-e1383845514894.jpg\">\u003cimg class=\"size-large wp-image-16141\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/140007839-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By April Dembosky and Lisa Aliferis\u003c/strong>\u003c/p>\n\u003cp>If you signed up for a Covered California plan by the Dec. 23 deadline, Wednesday is the official deadline to pay your January premium.\u003c/p>\n\u003cp>That is, unless you are an Anthem Blue Cross or Kaiser Permanente customer -- in which case you have a little more time.\u003c/p>\n\u003cul>\n\u003cli>If you're a Kaiser member, you have until Jan. 22 to pay your January premium\u003c/li>\n\u003cli>If you're an Anthem Blue Cross customer, you have until Jan. 31 (Update: On Jan. 16, HealthNet also extended its deadline to Jan. 31.)\u003c/li>\n\u003c/ul>\n\u003cp>If you're in one of the other nine plans available statewide, you must pay your premium by midnight Wednesday night.\u003c!--more-->\u003c/p>\n\u003cp>Darrel Ng, a spokesman for Anthem, says the company changed the deadline at the end of last week to give people adequate time to pay their premiums. He said if people have not received their insurance cards, they can call Anthem to request a temporary card or an ID number they could use at the doctor's office. People can also pay out of pocket and seek reimbursement later.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Kaiser Permanente spokesman Mark Brown also says that all new members will be able to \"receive the care they need when they need it\" even if they have not yet received their ID cards. He also said Kaiser has started proactively calling customers to assist them in making payments.\u003c/p>\n\u003cp>\"It's important to note that the overwhelming majority of those who enrolled in coverage for January 1 have already received their invoices and paid for their coverage,\" Brown said in an email.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Wednesday is also the deadline for uninsured people to enroll to receive coverage starting Feb. 1. For people who file an application and pick a plan by midnight Wednesday must pay their Feb. premium by Jan. 28.\u003c/p>\n\n",
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"excerpt": "If you signed up for a Covered California plan by the Dec. 23 deadline, Wednesday is the official deadline to pay your January premium.\r\n\r\nThat is, unless you are an Anthem Blue Cross or Kaiser Permanente customer -- in which case you have a little more time.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16141\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/140007839-e1383845514894.jpg\">\u003cimg class=\"size-large wp-image-16141\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/140007839-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By April Dembosky and Lisa Aliferis\u003c/strong>\u003c/p>\n\u003cp>If you signed up for a Covered California plan by the Dec. 23 deadline, Wednesday is the official deadline to pay your January premium.\u003c/p>\n\u003cp>That is, unless you are an Anthem Blue Cross or Kaiser Permanente customer -- in which case you have a little more time.\u003c/p>\n\u003cul>\n\u003cli>If you're a Kaiser member, you have until Jan. 22 to pay your January premium\u003c/li>\n\u003cli>If you're an Anthem Blue Cross customer, you have until Jan. 31 (Update: On Jan. 16, HealthNet also extended its deadline to Jan. 31.)\u003c/li>\n\u003c/ul>\n\u003cp>If you're in one of the other nine plans available statewide, you must pay your premium by midnight Wednesday night.\u003c!--more-->\u003c/p>\n\u003cp>Darrel Ng, a spokesman for Anthem, says the company changed the deadline at the end of last week to give people adequate time to pay their premiums. He said if people have not received their insurance cards, they can call Anthem to request a temporary card or an ID number they could use at the doctor's office. People can also pay out of pocket and seek reimbursement later.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Kaiser Permanente spokesman Mark Brown also says that all new members will be able to \"receive the care they need when they need it\" even if they have not yet received their ID cards. He also said Kaiser has started proactively calling customers to assist them in making payments.\u003c/p>\n\u003cp>\"It's important to note that the overwhelming majority of those who enrolled in coverage for January 1 have already received their invoices and paid for their coverage,\" Brown said in an email.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Wednesday is also the deadline for uninsured people to enroll to receive coverage starting Feb. 1. For people who file an application and pick a plan by midnight Wednesday must pay their Feb. premium by Jan. 28.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "My Five-Week Saga Enrolling in Covered California",
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"content": "\u003cfigure id=\"attachment_16605\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/450746397-e1386701134397.jpg\">\u003cimg class=\"size-large wp-image-16605\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/450746397-640x425.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>As a journalist I’ve covered the Affordable Care Act on and off since it was a gleam in President Obama’s eye. The melodrama of the fierce legislative fight; the subsequent relentless attacks against it; the Supreme Court case; and the catastrophic rollout of healthcare.gov -- good times for the news media, though not necessarily the American public.\u003c/p>\n\u003caside class=\"pullquote alignleft\">My first unwelcome surprise came when I input all my information, and the system told me I wouldn't get a subsidy despite the fact that I knew I was eligible.\u003c/aside>\n\u003cp>But of course, the difference between covering something as a journalist and experiencing it as a citizen is substantial. Last year, in part for health reasons, I gave up my full-time job with KQED News. No more long hours: check. No more crazy deadlines: check. No more health insurance: check ... my blood pressure. Because our COBRA costs were going to be astronomical, like 40-percent-of-income astronomical. And my health history rendered me uninsurable on the individual market. At least, on the old insurance market.\u003c/p>\n\u003cp>All of this made me one of the many poster-children for Obamacare, under which insurance companies, starting Jan. 1, would be \u003cem>required\u003c/em> to insure my middle-aged ass, and the government was going to help pay for it to boot. Whether this is a victory for common sense and decency, the end of democracy as we know it, or simply a bad idea, I couldn’t say -- and still can't. I only know that the only rational financial decision, personally, was to try getting an exchange plan through Covered California.\u003c!--more-->\u003c/p>\n\u003cp>Which I did. But not without a fair amount of anxiety due to delays and quirks in the system.\u003c/p>\n\u003cp>\u003cstrong>But where's my premium reduction?\u003c/strong>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The website experience, though not as smooth as buying a plane ticket or TV online -- as the president once promised -- for the most part worked at expected. The most immediately noticeable advantage: In the past, when shopping for insurance on the individual market, I’d had to call up each potential provider and carefully take notes on rates, deductibles, etc. Here, all that information was laid out so I could quickly compare across plans.\u003c/p>\n\u003cp>My first unwelcome surprise, however, came when I input all my information, including my estimated income, and was told by the system that my premium wasn’t going to be reduced through a federal subsidy, one of the key components supposed to make Obamacare affordable. I knew this didn’t make sense, because my income estimate was well within the range that would \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/18/obamacare-faq-who-is-eligible-for-a-subsidy/\" target=\"_blank\">make me eligible\u003c/a> to receive federal money.\u003c/p>\n\u003cp>I called up an insurance agent who had sent me an email offering to help me sign up, part of an outreach program by Covered California. But he had no idea why the system wasn’t giving me a subsidy. Nor did he know why I had received a letter from the exchange asking me to provide the social security cards for every member of my family.\u003c/p>\n\u003cp>So I waited a half-hour on hold to get through to Covered California, and the customer service person was pretty patient and knowledgeable, except for the fact that she too was mystified as to why the system wasn’t taking into account the subsidized premium reduction. After she tried various fixes, I suggested it might have something to do with my status as a COBRA participant. (I had read something about COBRA and subsidies.) After some fiddling on her end, the system finally recognized my premium reduction.\u003c/p>\n\u003cp>The problem, as I have since learned: Active COBRA participants aren’t eligible for subsidies. But if you time your COBRA insurance to end just before your exchange plan begins -- always my intent -- you are eligible.\u003c/p>\n\u003cp>“If someone has COBRA currently and it's still open enrollment, they can cancel their COBRA and enroll in a Covered CA plan with federal subsidies, if otherwise eligible,” Covered California spokesperson Anne Gonzales wrote me. But, she said, “It's very important to tell consumers that they cannot have COBRA and federal subsidies at the same time. They have to time it just right.”\u003c/p>\n\u003cp>So that's what I did. But the enrollment process I went through seemed to make no provision for that maneuver. Which makes me wonder if there have been people trying to transition out of COBRA who have decided not to purchase an exchange plan because they erroneously thought they were ineligible for a subsidy.\u003c/p>\n\u003cp>As for the request for copies of my family's social security cards, the customer service rep informed me\u003cem> \u003c/em>I didn’t actually need to provide them, which was a relief because I'd lost mine. She said the correspondence I had received was a “form letter” and that if I looked at my account online, the actual card wasn’t one of the documents I needed to complete my enrollment. (Some enrollees may indeed need to scan or fax in a copy of their card, says Anne Gonzales.)\u003c/p>\n\u003cp>\u003cstrong>The long, slow wait: \"I guess we have insurance now?\"\u003c/strong>\u003c/p>\n\u003cp>After completing my enrollment, I felt a sense of measured relief. Why measured? Because I realized I’d never received a confirmation email from either Kaiser or Covered California letting me know that I was in the system. With headlines about the “train wreck” that was Obamacare, this left me uneasy. What if I only \u003cem>thought\u003c/em> I was covered? “I guess we have insurance now?\" I said to my wife, not exactly a slogan for an Affordable Care Act campaign.\u003c/p>\n\u003cp>At that point I waited. And waited some more. I called Kaiser, and they said they still hadn’t received any information from Covered California. I went in person to the Kaiser business office to check it out. When I told the woman there I had a question about Covered California, she gave me a hard stare and shook her head like I had just asked her to explain the meaning of life. There were a \u003cem>lot\u003c/em> of people confused about just what was going on, she said. She looked me up in Kaiser's system and said they had no information on my signup from the exchange but that things were so backed up I should be patient and keep checking.\u003c/p>\n\u003cp>Which I did. And did some more. Meanwhile, over at Covered California, all they could tell me was that I had indeed signed up and that Kaiser would eventually get the data they needed. Before Jan. 6, the deadline to make your first payment? (Later extended to Jan 15). \"Uh .... yeah... hopefully,\" the rep said, in so many words. I called up Kaiser and asked what if they didn’t have my invoice before the deadline? Would they still consider me insured if I had signed up through the exchange? “We’ll cross that bridge when we have to,” I was told. (Last week, a spokesperson for Kaiser told me it would \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/10/no-obamacare-insurance-invoice-keep-trying-to-pay-but-dont-worry-says-covered-california/\" target=\"_blank\">not withhold care due to processing delays\u003c/a>. Anne Gonzales said all participating insurance companies would do the same if there was \"a good faith effort by an enrollee to start an application by Dec 23,\" which was the deadline to enroll in a plan.)\u003c/p>\n\u003cp>As New Year’s approached, I tried another tack: maybe the online chat help at Covered California had some new info on the matter. After waiting in an online queue about a half-hour, I finally was connected with someone on the chat line. Only her answers to my questions, while making a sound on my computer, didn't actually render as text. More frustration.\u003c/p>\n\u003cp>On Jan. 2, I tried Kaiser again to see if my number, as it were, had finally come up. I got a brief recorded message telling me to try later due to high caller volume. Then, on Jan. 3, after 35 minutes on hold, I finally connected with a rep. And she told me, yes, I was in the system. Eureka! Before she had a chance to change her mind, I whipped out my credit card and paid by phone, making sure to get a confirmation number.\u003c/p>\n\u003cp>It took roughly five weeks between the time I enrolled in Covered California and the time Kaiser processed my info so that I could actually pay, which is at least the emotional demarcation point between believing you're insured and knowing you're insured. (Kaiser researched my particular delay and told me Covered California did not transmit my enrollment information until Dec. 27. Why? Who knows…)\u003c/p>\n\u003cp>\u003cstrong>Winners and losers\u003c/strong>\u003c/p>\n\u003cp>Nationally, the insurance-buying public can expect more problems, it would seem. The Guardian ran a \u003ca href=\"http://www.theguardian.com/money/2014/jan/10/obamacare-sign-up-payment-customers-without-insurance\" target=\"_blank\">story \u003c/a>Sunday about how the administration’s enrollee numbers could take a big hit if consumers, either through processing delays or ignorance of the final date for payment, miss Wednesday’s deadline.\u003c/p>\n\u003cp>But if all goes smoothly from here on out, it is quite true that I, personally, am going to be one of the winners in the Obamacare game, receiving guaranteed insurance at a big cost savings. And by big, I mean about 60 percent, or thousands of dollars per year.\u003c/p>\n\u003cp>Not everyone is experiencing that, of course: \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/06/obama-supporters-canceled-by-obamacare/\" target=\"_blank\">Cancellations of individual policies\u003c/a> that seemed to put the lie to the president’s now notorious “If you like your insurance, you can keep it,” message have been well-reported, as has \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">the sticker shock\u003c/a> when some of those cancelled customers shopped for a replacement policy on an exchange .\u003c/p>\n\u003cp>For me, though, I’d have to say the entire process was a little like my recent mortgage refinancing: frustrating and riddled with potential pitfalls at every step, but with a big financial benefit as the end result.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>For others who have signed up for insurance through Covered California -- or at least thought they were signed up -- we’re interested in your experiences. Let us know in the comments below.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16605\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/450746397-e1386701134397.jpg\">\u003cimg class=\"size-large wp-image-16605\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/450746397-640x425.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>As a journalist I’ve covered the Affordable Care Act on and off since it was a gleam in President Obama’s eye. The melodrama of the fierce legislative fight; the subsequent relentless attacks against it; the Supreme Court case; and the catastrophic rollout of healthcare.gov -- good times for the news media, though not necessarily the American public.\u003c/p>\n\u003caside class=\"pullquote alignleft\">My first unwelcome surprise came when I input all my information, and the system told me I wouldn't get a subsidy despite the fact that I knew I was eligible.\u003c/aside>\n\u003cp>But of course, the difference between covering something as a journalist and experiencing it as a citizen is substantial. Last year, in part for health reasons, I gave up my full-time job with KQED News. No more long hours: check. No more crazy deadlines: check. No more health insurance: check ... my blood pressure. Because our COBRA costs were going to be astronomical, like 40-percent-of-income astronomical. And my health history rendered me uninsurable on the individual market. At least, on the old insurance market.\u003c/p>\n\u003cp>All of this made me one of the many poster-children for Obamacare, under which insurance companies, starting Jan. 1, would be \u003cem>required\u003c/em> to insure my middle-aged ass, and the government was going to help pay for it to boot. Whether this is a victory for common sense and decency, the end of democracy as we know it, or simply a bad idea, I couldn’t say -- and still can't. I only know that the only rational financial decision, personally, was to try getting an exchange plan through Covered California.\u003c!--more-->\u003c/p>\n\u003cp>Which I did. But not without a fair amount of anxiety due to delays and quirks in the system.\u003c/p>\n\u003cp>\u003cstrong>But where's my premium reduction?\u003c/strong>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The website experience, though not as smooth as buying a plane ticket or TV online -- as the president once promised -- for the most part worked at expected. The most immediately noticeable advantage: In the past, when shopping for insurance on the individual market, I’d had to call up each potential provider and carefully take notes on rates, deductibles, etc. Here, all that information was laid out so I could quickly compare across plans.\u003c/p>\n\u003cp>My first unwelcome surprise, however, came when I input all my information, including my estimated income, and was told by the system that my premium wasn’t going to be reduced through a federal subsidy, one of the key components supposed to make Obamacare affordable. I knew this didn’t make sense, because my income estimate was well within the range that would \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/18/obamacare-faq-who-is-eligible-for-a-subsidy/\" target=\"_blank\">make me eligible\u003c/a> to receive federal money.\u003c/p>\n\u003cp>I called up an insurance agent who had sent me an email offering to help me sign up, part of an outreach program by Covered California. But he had no idea why the system wasn’t giving me a subsidy. Nor did he know why I had received a letter from the exchange asking me to provide the social security cards for every member of my family.\u003c/p>\n\u003cp>So I waited a half-hour on hold to get through to Covered California, and the customer service person was pretty patient and knowledgeable, except for the fact that she too was mystified as to why the system wasn’t taking into account the subsidized premium reduction. After she tried various fixes, I suggested it might have something to do with my status as a COBRA participant. (I had read something about COBRA and subsidies.) After some fiddling on her end, the system finally recognized my premium reduction.\u003c/p>\n\u003cp>The problem, as I have since learned: Active COBRA participants aren’t eligible for subsidies. But if you time your COBRA insurance to end just before your exchange plan begins -- always my intent -- you are eligible.\u003c/p>\n\u003cp>“If someone has COBRA currently and it's still open enrollment, they can cancel their COBRA and enroll in a Covered CA plan with federal subsidies, if otherwise eligible,” Covered California spokesperson Anne Gonzales wrote me. But, she said, “It's very important to tell consumers that they cannot have COBRA and federal subsidies at the same time. They have to time it just right.”\u003c/p>\n\u003cp>So that's what I did. But the enrollment process I went through seemed to make no provision for that maneuver. Which makes me wonder if there have been people trying to transition out of COBRA who have decided not to purchase an exchange plan because they erroneously thought they were ineligible for a subsidy.\u003c/p>\n\u003cp>As for the request for copies of my family's social security cards, the customer service rep informed me\u003cem> \u003c/em>I didn’t actually need to provide them, which was a relief because I'd lost mine. She said the correspondence I had received was a “form letter” and that if I looked at my account online, the actual card wasn’t one of the documents I needed to complete my enrollment. (Some enrollees may indeed need to scan or fax in a copy of their card, says Anne Gonzales.)\u003c/p>\n\u003cp>\u003cstrong>The long, slow wait: \"I guess we have insurance now?\"\u003c/strong>\u003c/p>\n\u003cp>After completing my enrollment, I felt a sense of measured relief. Why measured? Because I realized I’d never received a confirmation email from either Kaiser or Covered California letting me know that I was in the system. With headlines about the “train wreck” that was Obamacare, this left me uneasy. What if I only \u003cem>thought\u003c/em> I was covered? “I guess we have insurance now?\" I said to my wife, not exactly a slogan for an Affordable Care Act campaign.\u003c/p>\n\u003cp>At that point I waited. And waited some more. I called Kaiser, and they said they still hadn’t received any information from Covered California. I went in person to the Kaiser business office to check it out. When I told the woman there I had a question about Covered California, she gave me a hard stare and shook her head like I had just asked her to explain the meaning of life. There were a \u003cem>lot\u003c/em> of people confused about just what was going on, she said. She looked me up in Kaiser's system and said they had no information on my signup from the exchange but that things were so backed up I should be patient and keep checking.\u003c/p>\n\u003cp>Which I did. And did some more. Meanwhile, over at Covered California, all they could tell me was that I had indeed signed up and that Kaiser would eventually get the data they needed. Before Jan. 6, the deadline to make your first payment? (Later extended to Jan 15). \"Uh .... yeah... hopefully,\" the rep said, in so many words. I called up Kaiser and asked what if they didn’t have my invoice before the deadline? Would they still consider me insured if I had signed up through the exchange? “We’ll cross that bridge when we have to,” I was told. (Last week, a spokesperson for Kaiser told me it would \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/01/10/no-obamacare-insurance-invoice-keep-trying-to-pay-but-dont-worry-says-covered-california/\" target=\"_blank\">not withhold care due to processing delays\u003c/a>. Anne Gonzales said all participating insurance companies would do the same if there was \"a good faith effort by an enrollee to start an application by Dec 23,\" which was the deadline to enroll in a plan.)\u003c/p>\n\u003cp>As New Year’s approached, I tried another tack: maybe the online chat help at Covered California had some new info on the matter. After waiting in an online queue about a half-hour, I finally was connected with someone on the chat line. Only her answers to my questions, while making a sound on my computer, didn't actually render as text. More frustration.\u003c/p>\n\u003cp>On Jan. 2, I tried Kaiser again to see if my number, as it were, had finally come up. I got a brief recorded message telling me to try later due to high caller volume. Then, on Jan. 3, after 35 minutes on hold, I finally connected with a rep. And she told me, yes, I was in the system. Eureka! Before she had a chance to change her mind, I whipped out my credit card and paid by phone, making sure to get a confirmation number.\u003c/p>\n\u003cp>It took roughly five weeks between the time I enrolled in Covered California and the time Kaiser processed my info so that I could actually pay, which is at least the emotional demarcation point between believing you're insured and knowing you're insured. (Kaiser researched my particular delay and told me Covered California did not transmit my enrollment information until Dec. 27. Why? Who knows…)\u003c/p>\n\u003cp>\u003cstrong>Winners and losers\u003c/strong>\u003c/p>\n\u003cp>Nationally, the insurance-buying public can expect more problems, it would seem. The Guardian ran a \u003ca href=\"http://www.theguardian.com/money/2014/jan/10/obamacare-sign-up-payment-customers-without-insurance\" target=\"_blank\">story \u003c/a>Sunday about how the administration’s enrollee numbers could take a big hit if consumers, either through processing delays or ignorance of the final date for payment, miss Wednesday’s deadline.\u003c/p>\n\u003cp>But if all goes smoothly from here on out, it is quite true that I, personally, am going to be one of the winners in the Obamacare game, receiving guaranteed insurance at a big cost savings. And by big, I mean about 60 percent, or thousands of dollars per year.\u003c/p>\n\u003cp>Not everyone is experiencing that, of course: \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/06/obama-supporters-canceled-by-obamacare/\" target=\"_blank\">Cancellations of individual policies\u003c/a> that seemed to put the lie to the president’s now notorious “If you like your insurance, you can keep it,” message have been well-reported, as has \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">the sticker shock\u003c/a> when some of those cancelled customers shopped for a replacement policy on an exchange .\u003c/p>\n\u003cp>For me, though, I’d have to say the entire process was a little like my recent mortgage refinancing: frustrating and riddled with potential pitfalls at every step, but with a big financial benefit as the end result.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>For others who have signed up for insurance through Covered California -- or at least thought they were signed up -- we’re interested in your experiences. Let us know in the comments below.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Nearly 500,000 Californians Enrolled in Obamacare Plans, Federal Data Show",
"title": "Nearly 500,000 Californians Enrolled in Obamacare Plans, Federal Data Show",
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"content": "\u003cfigure id=\"attachment_15508\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Screen shot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>Federal officials reported Monday that 2.2 million people nationwide have selected a plan in the new health insurance marketplaces established under the Affordable Care Act. Nearly 500,000 of them are Californians.\u003c/p>\n\u003cp>The numbers were released by the U.S. Department of Health and Human Services, which also reported demographics across age groups, gender and tier of plan chosen.\u003c/p>\n\u003cp>While California makes up about 12 percent of the nation's population, the state's enrollment is 22 percent of the national total.\u003c!--more-->\u003c/p>\n\u003cp>\"We're pleased that California is leading the nation,\" said Anthony Wright, executive director of Health Access, a consumer advocacy group. \"It's an indication that California's efforts to aggressively take advantage of the Affordable Care Act is paying big dividends.\"\u003c/p>\n\u003cp>Specifically, 498,794 Californians have selected a plan, and 25 percent of them are between the ages of 18 and 34. That's well below the Obama administration target of 40 percent. Younger adults are highly desirable to insurance companies as younger people are presumed to be (in general) more healthy, and their presence in the insurance pool helps spread risk.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The 25 percent enrollment is in line with young adults' representation in the population, but in the ACA landscape that's not the population that matters to insurers. Instead, the pool is not the general population but rather the pool of people buying insurance on their own plus the uninsured -- and minus those eligible for Medi-Cal, says Larry Levitt, senior vice president of the Kaiser Family Foundation.\u003c/p>\n\u003cp>While the difference between a 40 percent target and the 25 percent actual enrollment sounds daunting, \u003ca href=\"http://kff.org/health-reform/perspective/the-numbers-behind-young-invincibles-and-the-affordable-care-act/?__hstc=87270983.8cfbe3c5679920054f8f8166bcb6ace6.1386696806182.1389648277246.1389650363250.29&__hssc=87270983.3.1389650363250&__hsfp=4082425131\" target=\"_blank\">an analysis\u003c/a> by Levitt and colleagues shows enrollment by young adults might be strong enough. \"Young people are enrolling in sufficient numbers to keep the market stable,\" Levitt says. \"Even if somewhat fewer young people enroll than would be ideal, premiums woud only have to go up modestly to make up the difference\" in 2015.\u003c/p>\n\u003cp>Both Levitt and Wright pointed out that more than two months are left in the open enrollment period.\u003c/p>\n\u003cp>\"We are at halftime in the effort to get folks enrolled,\" Wright said. \"These numbers show we're on track.\"\u003c/p>\n\u003cp>Anne Gonzales, a spokeswoman with Covered California, said the agency will release enrollment numbers later in January, \"with in-depth analysis and demographic breakdowns.\" Gonzales said the numbers from HHS \"are an indication of the strong ongoing demand for affordable coverage in the state.\"\u003c/p>\n\u003cp>Other data points from the HHS numbers:\u003c/p>\n\u003cul>\n\u003cli>53 percent of enrollees are women; 47 percent are men\u003c/li>\n\u003cli>52 percent of enrollees are 45-64\u003c/li>\n\u003cli>61 percent of enrollees chose a silver-tier plan; 23 percent chose bronze\u003c/li>\n\u003cli>85 percent of people who bought a plan on Covered California received a subsidy\u003c/li>\n\u003c/ul>\n\u003cp>Wright reminded consumers that this Wednesday, Jan. 15, is the deadline for people who signed up for insurance that took effect Jan. 1 to pay their premium.\u003c/p>\n\u003cp>In addition, Jan. 15 is the deadline to sign up for health insurance that starts Feb. 1.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n",
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"excerpt": "Federal officials reported Monday that 2.2 million people nationwide have selected a plan in the new health insurance marketplaces established under the Affordable Care Act. Nearly 500,000 of them are Californians.\r\n\r\nThe numbers were released by the U.S. Department of Health and Human Services which also reported demographics across age groups, gender and tier of plan chosen.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15508\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Screen shot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>Federal officials reported Monday that 2.2 million people nationwide have selected a plan in the new health insurance marketplaces established under the Affordable Care Act. Nearly 500,000 of them are Californians.\u003c/p>\n\u003cp>The numbers were released by the U.S. Department of Health and Human Services, which also reported demographics across age groups, gender and tier of plan chosen.\u003c/p>\n\u003cp>While California makes up about 12 percent of the nation's population, the state's enrollment is 22 percent of the national total.\u003c!--more-->\u003c/p>\n\u003cp>\"We're pleased that California is leading the nation,\" said Anthony Wright, executive director of Health Access, a consumer advocacy group. \"It's an indication that California's efforts to aggressively take advantage of the Affordable Care Act is paying big dividends.\"\u003c/p>\n\u003cp>Specifically, 498,794 Californians have selected a plan, and 25 percent of them are between the ages of 18 and 34. That's well below the Obama administration target of 40 percent. Younger adults are highly desirable to insurance companies as younger people are presumed to be (in general) more healthy, and their presence in the insurance pool helps spread risk.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The 25 percent enrollment is in line with young adults' representation in the population, but in the ACA landscape that's not the population that matters to insurers. Instead, the pool is not the general population but rather the pool of people buying insurance on their own plus the uninsured -- and minus those eligible for Medi-Cal, says Larry Levitt, senior vice president of the Kaiser Family Foundation.\u003c/p>\n\u003cp>While the difference between a 40 percent target and the 25 percent actual enrollment sounds daunting, \u003ca href=\"http://kff.org/health-reform/perspective/the-numbers-behind-young-invincibles-and-the-affordable-care-act/?__hstc=87270983.8cfbe3c5679920054f8f8166bcb6ace6.1386696806182.1389648277246.1389650363250.29&__hssc=87270983.3.1389650363250&__hsfp=4082425131\" target=\"_blank\">an analysis\u003c/a> by Levitt and colleagues shows enrollment by young adults might be strong enough. \"Young people are enrolling in sufficient numbers to keep the market stable,\" Levitt says. \"Even if somewhat fewer young people enroll than would be ideal, premiums woud only have to go up modestly to make up the difference\" in 2015.\u003c/p>\n\u003cp>Both Levitt and Wright pointed out that more than two months are left in the open enrollment period.\u003c/p>\n\u003cp>\"We are at halftime in the effort to get folks enrolled,\" Wright said. \"These numbers show we're on track.\"\u003c/p>\n\u003cp>Anne Gonzales, a spokeswoman with Covered California, said the agency will release enrollment numbers later in January, \"with in-depth analysis and demographic breakdowns.\" Gonzales said the numbers from HHS \"are an indication of the strong ongoing demand for affordable coverage in the state.\"\u003c/p>\n\u003cp>Other data points from the HHS numbers:\u003c/p>\n\u003cul>\n\u003cli>53 percent of enrollees are women; 47 percent are men\u003c/li>\n\u003cli>52 percent of enrollees are 45-64\u003c/li>\n\u003cli>61 percent of enrollees chose a silver-tier plan; 23 percent chose bronze\u003c/li>\n\u003cli>85 percent of people who bought a plan on Covered California received a subsidy\u003c/li>\n\u003c/ul>\n\u003cp>Wright reminded consumers that this Wednesday, Jan. 15, is the deadline for people who signed up for insurance that took effect Jan. 1 to pay their premium.\u003c/p>\n\u003cp>In addition, Jan. 15 is the deadline to sign up for health insurance that starts Feb. 1.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "6 Insightful Tweets on the ACA",
"title": "6 Insightful Tweets on the ACA",
"headTitle": "State of Health | KQED News",
"content": "\u003cp>\u003cscript type=\"text/javascript\" src=\"http://platform.twitter.com/widgets.js\">\u003c/script>It's early days here in the rollout of the Affordable Care Act.\u003c/p>\n\u003cp>Friday morning, the Kaiser Family Foundation's Larry Levitt, an expert in health insurance policy, sent out a series of tweets. He said he hoped they were \"concise thoughts on enrollment mix and the ACA.\" Indeed, the tweets are a quick and insightful read:\u003c/p>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Relevant risk pool for looking at the mix of enrollees is a state, including newly purchased coverage inside and outside exchanges. (1/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722002274009088\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Age matters a little. Young adults cross subsidize older adults with 3:1 age rating instead of about 5:1. But the effect is modest. (2/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722076483817472\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Health matters much more than age. Insurers would rather get a healthy 60 year old than a sick 25 year old. (3/6) — Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722152631414784\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>We’re not going to know about health mix anytime soon. Even insurers won’t know a lot when they have to set premiums for 2015. (4/6) — Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722225754927104\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>It’s halftime for open enrollment. The young and healthy will likely enroll in larger numbers in the 2nd half. (5/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722275260272640\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Risk corridors and reinsurance act as big shock absorbers in the first 3 years to protect against a bad enrollment mix. (6/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722348819988482\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"description": "It's early days here in the rollout of the Affordable Care Act. Friday morning, the Kaiser Family Foundation's Larry Levitt, an expert in health insurance policy, sent out a series of tweets. He said he hoped they were "concise thoughts on enrollment mix and the ACA." Indeed, the tweets are a quick and insightful read:",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cscript type=\"text/javascript\" src=\"http://platform.twitter.com/widgets.js\">\u003c/script>It's early days here in the rollout of the Affordable Care Act.\u003c/p>\n\u003cp>Friday morning, the Kaiser Family Foundation's Larry Levitt, an expert in health insurance policy, sent out a series of tweets. He said he hoped they were \"concise thoughts on enrollment mix and the ACA.\" Indeed, the tweets are a quick and insightful read:\u003c/p>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Relevant risk pool for looking at the mix of enrollees is a state, including newly purchased coverage inside and outside exchanges. (1/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722002274009088\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Age matters a little. Young adults cross subsidize older adults with 3:1 age rating instead of about 5:1. But the effect is modest. (2/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722076483817472\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Health matters much more than age. Insurers would rather get a healthy 60 year old than a sick 25 year old. (3/6) — Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722152631414784\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>We’re not going to know about health mix anytime soon. Even insurers won’t know a lot when they have to set premiums for 2015. (4/6) — Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722225754927104\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>It’s halftime for open enrollment. The young and healthy will likely enroll in larger numbers in the 2nd half. (5/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722275260272640\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cblockquote class=\"twitter-tweet\" lang=\"en\">\u003cp>Risk corridors and reinsurance act as big shock absorbers in the first 3 years to protect against a bad enrollment mix. (6/6)\u003c/p>\n\u003cp>— Larry Levitt (@larry_levitt) \u003ca href=\"https://twitter.com/larry_levitt/statuses/421722348819988482\">January 10, 2014\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "No Obamacare Invoice? Keep Trying to Pay But Don't Worry, Says Covered California",
"title": "No Obamacare Invoice? Keep Trying to Pay But Don't Worry, Says Covered California",
"headTitle": "State of Health | KQED News",
"content": "\u003cfigure id=\"attachment_15800\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-e1382461889970.jpg\">\u003cimg class=\"size-large wp-image-15800 \" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-640x428.jpg\" alt=\"\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">No one knows just how many Californians have not yet received their insurance invoice. Insurers say they have added staff to deal with large volume of new enrollees. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The deadline to pay your premium for a health insurance plan bought through \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\">Covered California\u003c/a>, the state’s Obamacare marketplace, has been extended to Jan 15. While insurance went into effect Jan. 1 for those who enrolled, you must pay the first month's premium by Jan. 15 or you you will not be covered.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“If there was a good faith effort by an enrollee to start an application by Dec 23, everyone is honoring that,”- Covered California spokesperson Anne Gonzalez\u003c/aside>\n\u003cp>As that date fast approaches, some enrollees who are well aware of the deadline and are ready, willing, and able to pay have been experiencing a problem: they can't because their insurance company hasn't sent them an invoice yet.\u003c/p>\n\u003cp>Until this week, this was my situation. I waited well over a month between the time I enrolled in a plan through Covered California and the insurance company I selected -- Kaiser -- sent me an invoice. I kept checking with Kaiser, and they kept telling me they had yet to receive the information from Covered California. And Covered California kept telling me to keep checking with Kaiser.\u003c!--more-->\u003c/p>\n\u003cp>Meanwhile, once January 1 came -- the date my new insurance was supposed to take effect -- I’d convinced myself that I’d contracted Ebola Virus exactly at midnight, Jan. 1, when my old insurance ran out. And that I was not going to be insured because Covered California computers and Kaiser’s were not speaking.\u003c/p>\n\u003cp>“If we had not yet received your enrollment information, then you would not appear in our system,” explained Kaiser’s Joe Fragola in an email. “Approximately one-third of our January 1 coverage enrollments came in around the December 23rd deadline. The delayed enrollment and unprecedented volume led to some delays. However it should not have taken five weeks for us to have a record of your enrollment prior to payment.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Though I finally did receive an invoice this week, thus eradicating my certainty that I had a life-threatening illness, Kaiser said it would research why it had taken so long. The company says that more than 90 percent of its enrollments have been processed, and that the remainder would be completed by the end of this week.\u003c/p>\n\u003cp>I asked Fragola if someone who has not yet paid because of a delay in invoicing could still obtain covered medical care.\u003c/p>\n\u003cp>“Yes,” he said. \"Kaiser Permanente has taken steps to ensure that all members seeking medical care, including new members, are able to receive the care they need when they need it. We also have begun contacting members to make sure they know that any processing delays do not affect their ability to get care.”\u003c/p>\n\u003cp>\u003cstrong>Phones Jammed\u003c/strong>\u003c/p>\n\u003cp>I’m not the only one, apparently, experiencing Affordable Care angst as the system has finally come online. KQED’s California Report on Tuesday received this email from an anxious listener:\u003c/p>\n\u003cp>“I applied before the deadline, and successfully received confirmation of coverage,” she wrote. “Then nothing. No email. No snail mail. I have written, called, waited. There is apparently no phone number on the Covered California website or any of its links that is answered by a human. Same with Anthem, the company I chose for coverage. I’ve stayed on hold for multiple hours. Now Anthem has a recording saying they cannot take calls at this time (9 a.m. Monday). I imagine how frustrating this would be for people who have less time and fewer skills.”\u003c/p>\n\u003cp>Darrel Ng, spokesperson for Anthem, told us: “We have an overwhelming demand of callers at this point. Not just Anthem, but (all) plans across the country. We received a million calls in the first two business days of the year. That far exceeds what we normally get in a month.”\u003c/p>\n\u003cp>Ng said the company has hired hundreds of customer service personnel and expanded its hours to deal with the influx of new customers.\u003c/p>\n\u003cp>Anne Gonzales, public information officer for Covered California, said that it can handle 1,288 callers simultaneously. After that, up to 550 callers can be put into a holding queue. More than \u003cem>that\u003c/em>, callers will get a message that no more calls can be taken. And if the system hits 2,577 callers at the same time, some people will experience the ultimate in morale-crushing customer service experiences: the dreaded fast busy signal.\u003c/p>\n\u003cp>On the plus side, Gonzales said Covered California has now finished all electronic transfers to participating insurance companies and has moved on to the paper applications. Cold comfort if you're still waiting and anxious. But here's something to keep in mind: “If there was a good faith effort by an enrollee to start an application by Dec 23, everyone is honoring that,” she said of the insurance companies.\u003c/p>\n\u003cp>\u003cstrong>Contact Information for Insurers\u003c/strong>\u003c/p>\n\u003cp>In the meantime, Gonzales said, if you haven’t received an invoice yet, you should still try to pay by the Jan 15 deadline. If your insurer will let you, that is.\u003c/p>\n\u003cp>Covered California has created a page called \u003ca href=\"https://www.coveredca.com/getting-covered/how-to-pay.html\" target=\"_blank\">How to Pay\u003c/a> with information on payment methods for all 11 of its plans. We've reproduced it here, including phone numbers you can call if you have not yet received your invoice (fair warning that you are still likely to wait on hold):\u003c/p>\n\u003cstyle>\n.tftable {font-size:12px;color:#333333;width:100%;border-width: 1px;border-color: #729ea5;border-collapse: collapse;}\n.tftable th {font-size:12px;background-color:#acc8cc;border-width: 1px;padding: 8px;border-style: solid;border-color: #729ea5;text-align:left;}\n.tftable tr {background-color:#d4e3e5;}\n.tftable td {font-size:12px;border-width: 1px;padding: 8px;border-style: solid;border-color: #729ea5;}\n.tftable tr:hover {background-color:#ffffff;}\n\u003c/style>\n\u003ctable class=\"tftable\" border=\"1\">\n\u003ctr>\n\u003cth>Health Plan\u003c/th>\n\u003cth>Pay by Phone\u003c/th>\n\u003cth>Pay Online\u003c/th>\n\u003cth width=\"100px\">Pay by Mail\u003c/th>\n\u003cth>No Invoice Received?\u003c/th>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Anthem Blue Cross\u003cstrong>\u003c/strong>\u003c/strong>\u003c/td>\n\u003ctd>(855) 634-3381\u003cbr>\nHave your Subscriber ID or Social Security number\u003c/td>\n\u003ctd>Visit the payment landing page \u003ca href=\"http://www.anthem.com/ca/paymentlanding\" target=\"_blank\">www.anthem.com/ca/\u003cbr>paymentlanding\u003c/a>\u003cbr>\nfor further details\u003c/td>\n\u003ctd>Please reference the information found on the payment letter.\u003c/td>\n\u003ctd>(855) 634-3381\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Blue Shield of California\u003c/strong>\u003c/td>\n\u003ctd>(855) 836-9705. Have your Case # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://service.healthplan.com/blueshieldca/binder\" target=\"_blank\">http://service.health\u003cbr>plan.com/\u003cbr>\nblueshieldca/binder\u003c/a>. Have your Social Security Number\u003c/td>\n\u003ctd>P.O. Box 60514, City of Industry, CA, 91716-0514\n\u003cp>Have your Certificate Number from your Invoice to payment; add your invoice stub\u003c/p>\u003c/td>\n\u003ctd>Go to \u003ca href=\"http://service.healthplan.com/blueshieldca/binder\" target=\"_blank\">http://service.healthplan.com/\u003c/a> Have your Social Security Number available\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Chinese Community Health Plan\u003c/strong>\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>For first-time payment: log in to your CoveredCA.com account; follow payment instructions\u003c/td>\n\u003ctd>445 Grant Avenue, #700 San Francisco, CA 94108\n\u003cp>Add your invoice stub\u003c/p>\u003c/td>\n\u003ctd>(877) 224-7808\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Contra Costa Health Plan\u003c/strong>\u003c/td>\n\u003ctd>(855) 957-2247\u003cbr>\nSelect Option 2, include Covered CA ID\u003c/td>\n\u003ctd>\u003ca href=\"http://coveredcc.org/payment\" target=\"_blank\">http://coveredcc.org/\u003cbr>payment\u003c/a>\u003cbr>\ninclude Covered CA ID\u003c/td>\n\u003ctd>Contra Costa Health Plan\u003cbr>\nP.O.Box 2390\u003cbr>\nOmaha NE\u003cbr>\n68103\n\u003cp>include Covered CA ID\u003c/p>\u003c/td>\n\u003ctd>(855) 957-2247\u003cbr>\ninclude Covered CA ID\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Health Net\u003c/strong>\u003c/td>\n\u003ctd>(877) 200-9260\u003cbr>\nHave your Subscriber ID and payment method.\u003cbr>\n(If you don't have your Subscriber ID go to \u003ca href=\"http://www.healthnet.com/getmyid\" target=\"_blank\">www.healthnet.com/\u003cbr>\ngetmyid\u003c/a> to obtain one)\u003c/td>\n\u003ctd>Online payments accepted only after first payment\u003c/td>\n\u003ctd>P.O. Box 60515\u003cbr>\nCity of Industry, CA\u003cbr>\n91716-0515\n\u003cp>Add Subscriber ID to payment\u003c/p>\u003c/td>\n\u003ctd>Go to \u003ca href=\"http://www.healthnet.com/getmyid\" target=\"_blank\">www.healthnet.com/\u003cbr>\ngetmyid\u003c/a> to obtain your ID and call\u003cbr>\n(877) 200-9260\u003cbr>\nto make your payment\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Kaiser Permanente\u003c/strong>\u003c/td>\n\u003ctd>Have Account number, invoice number, and subscriber last name from invoice available.\n\u003cp>Northern California\u003cbr>\n(866) 475-3920\u003cbr>\n(866) 733-7787 Spanish \u003c/p>\n\u003cp>Southern California\u003cbr>\n(866) 450-5648\u003cbr>\n(866) 733-7775 Spanish\u003c/p>\u003c/td>\n\u003ctd>\u003ca href=\"http://www.kp.org/paypremium\" target=\"_blank\">www.kp.org/paypremium\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 7192\u003cbr>\nPasadena CA 91109-7192\n\u003cp>Follow the directions on your invoice.\u003c/p>\u003c/td>\n\u003ctd>Northern California\u003cbr>\n(866) 475-3920\u003cbr>\n(866) 733-7787 Spanish\n\u003cp>Southern California\u003cbr>\n(866) 450-5648\u003cbr>\n(866) 733-7775 Spanish\u003c/p>\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>L.A. Care\u003cbr>\nHealth Plan\u003c/strong>\u003c/td>\n\u003ctd>(855) 270-2327\u003cbr>\n(TTY/TDD 1-855-576-1620)\u003cbr>\nHave your Case # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://www.lacarecovered.org/makeapayment\" target=\"_blank\">www.lacarecovered.org/\u003cbr>\nmakeapayment\u003c/a>\u003cbr>\nHave your Customer and Invoice Number\u003c/td>\n\u003ctd>L.A. Care Covered\u003cbr>\nP.O. Box 515389\u003cbr>\nLos Angeles, CA\u003cbr>\n90051 \n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(855) 270-2327\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Molina Healthcare Inc.\u003c/strong>\u003c/td>\n\u003ctd>(888) 858-2150\u003cbr>\nHave your Covered CA ID or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"www.molinahealth%0Acare.com/%20payment\" target=\"_blank\">www.molinahealthcare.com/\u003cbr>\npayment\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 7010\u003cbr>\nPasadena, CA\u003cbr>\n91109-7010\n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(888) 858-2150\u003cbr>\nHave your Covered CA ID or Social Security number\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Sharp Health Plan\u003c/strong>\u003c/td>\n\u003ctd>(800) 359-2002\u003cbr>\nHave your Sharp Member ID # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://www.sharphealth%0Aplan.com/%20payment\" target=\"_blank\">www.sharphealthplan.com/\u003cbr>\npayment\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 57248\u003cbr>\nLos Angeles, CA\u003cbr>\n90074-7248\n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(800) 359-2002\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Valley Health Plan\u003c/strong>\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>Los Angeles Lockbox\u003cbr>\nCounty of Santa Clara\u003cbr>\nPO Box 740300\u003cbr>\nLos Angeles, CA\u003cbr>\n90074-0300\n\u003cp>Only taking money orders and checks -- follow directions on invoice\u003c/p>\u003c/td>\n\u003ctd>(888) 421-8444\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Western Health Advantage\u003c/strong>\u003c/td>\n\u003ctd>(888) 442-2206\u003cbr>\nHave your WHA ID #, or Social Security number\u003c/td>\n\u003ctd>For first-time payment: log in to your CoveredCA.com account; follow payment instructions\u003c/td>\n\u003ctd>WHA, DEPT 34668\u003cbr>\nPO BOX 39000\u003cbr>\nSan Francisco, CA 94139\u003cbr>\n---------------------------------\u003c/td>\n\u003ctd>(888) 442-2206\u003cbr>\nHave your WHA ID #, or Social Security number\u003c/td>\n\u003c/tr>\n\u003c/table>\n\u003cp> \u003c/p>\n\u003cp>Don't forget: If you haven’t signed up yet, open enrollment runs until Mar. 31. Here is the breakdown in deadlines:\u003c/p>\n\u003cul>\n\u003cli>Enroll by Jan. 15 for coverage that starts Feb. 1\u003c/li>\n\u003cli>Enroll by Feb 15 for coverage that starts Mar. 1\u003c/li>\n\u003cli>Enroll by Mar. 15 for coverage that starts Apr. 1\u003c/li>\n\u003cli>Enroll by Mar. 31 for coverage that starts May 1\u003c/li>\n\u003c/ul>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>If you don't sign up for health insurance by Mar. 31, you could have to pay a penalty. In 2014, the amount is $95 per adult or 1 percent of your income, whichever is greater.\u003c/p>\n\n",
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"description": "The deadline to pay your premium for a health insurance plan bought through Covered California, the state’s Obamacare marketplace, has been extended to Jan 15. While insurance went into effect Jan. 1 for those who enrolled, you must pay the first month's premium by Jan. 15 or you you will not be covered. “If there",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15800\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-e1382461889970.jpg\">\u003cimg class=\"size-large wp-image-15800 \" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-640x428.jpg\" alt=\"\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">No one knows just how many Californians have not yet received their insurance invoice. Insurers say they have added staff to deal with large volume of new enrollees. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The deadline to pay your premium for a health insurance plan bought through \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\">Covered California\u003c/a>, the state’s Obamacare marketplace, has been extended to Jan 15. While insurance went into effect Jan. 1 for those who enrolled, you must pay the first month's premium by Jan. 15 or you you will not be covered.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“If there was a good faith effort by an enrollee to start an application by Dec 23, everyone is honoring that,”- Covered California spokesperson Anne Gonzalez\u003c/aside>\n\u003cp>As that date fast approaches, some enrollees who are well aware of the deadline and are ready, willing, and able to pay have been experiencing a problem: they can't because their insurance company hasn't sent them an invoice yet.\u003c/p>\n\u003cp>Until this week, this was my situation. I waited well over a month between the time I enrolled in a plan through Covered California and the insurance company I selected -- Kaiser -- sent me an invoice. I kept checking with Kaiser, and they kept telling me they had yet to receive the information from Covered California. And Covered California kept telling me to keep checking with Kaiser.\u003c!--more-->\u003c/p>\n\u003cp>Meanwhile, once January 1 came -- the date my new insurance was supposed to take effect -- I’d convinced myself that I’d contracted Ebola Virus exactly at midnight, Jan. 1, when my old insurance ran out. And that I was not going to be insured because Covered California computers and Kaiser’s were not speaking.\u003c/p>\n\u003cp>“If we had not yet received your enrollment information, then you would not appear in our system,” explained Kaiser’s Joe Fragola in an email. “Approximately one-third of our January 1 coverage enrollments came in around the December 23rd deadline. The delayed enrollment and unprecedented volume led to some delays. However it should not have taken five weeks for us to have a record of your enrollment prior to payment.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Though I finally did receive an invoice this week, thus eradicating my certainty that I had a life-threatening illness, Kaiser said it would research why it had taken so long. The company says that more than 90 percent of its enrollments have been processed, and that the remainder would be completed by the end of this week.\u003c/p>\n\u003cp>I asked Fragola if someone who has not yet paid because of a delay in invoicing could still obtain covered medical care.\u003c/p>\n\u003cp>“Yes,” he said. \"Kaiser Permanente has taken steps to ensure that all members seeking medical care, including new members, are able to receive the care they need when they need it. We also have begun contacting members to make sure they know that any processing delays do not affect their ability to get care.”\u003c/p>\n\u003cp>\u003cstrong>Phones Jammed\u003c/strong>\u003c/p>\n\u003cp>I’m not the only one, apparently, experiencing Affordable Care angst as the system has finally come online. KQED’s California Report on Tuesday received this email from an anxious listener:\u003c/p>\n\u003cp>“I applied before the deadline, and successfully received confirmation of coverage,” she wrote. “Then nothing. No email. No snail mail. I have written, called, waited. There is apparently no phone number on the Covered California website or any of its links that is answered by a human. Same with Anthem, the company I chose for coverage. I’ve stayed on hold for multiple hours. Now Anthem has a recording saying they cannot take calls at this time (9 a.m. Monday). I imagine how frustrating this would be for people who have less time and fewer skills.”\u003c/p>\n\u003cp>Darrel Ng, spokesperson for Anthem, told us: “We have an overwhelming demand of callers at this point. Not just Anthem, but (all) plans across the country. We received a million calls in the first two business days of the year. That far exceeds what we normally get in a month.”\u003c/p>\n\u003cp>Ng said the company has hired hundreds of customer service personnel and expanded its hours to deal with the influx of new customers.\u003c/p>\n\u003cp>Anne Gonzales, public information officer for Covered California, said that it can handle 1,288 callers simultaneously. After that, up to 550 callers can be put into a holding queue. More than \u003cem>that\u003c/em>, callers will get a message that no more calls can be taken. And if the system hits 2,577 callers at the same time, some people will experience the ultimate in morale-crushing customer service experiences: the dreaded fast busy signal.\u003c/p>\n\u003cp>On the plus side, Gonzales said Covered California has now finished all electronic transfers to participating insurance companies and has moved on to the paper applications. Cold comfort if you're still waiting and anxious. But here's something to keep in mind: “If there was a good faith effort by an enrollee to start an application by Dec 23, everyone is honoring that,” she said of the insurance companies.\u003c/p>\n\u003cp>\u003cstrong>Contact Information for Insurers\u003c/strong>\u003c/p>\n\u003cp>In the meantime, Gonzales said, if you haven’t received an invoice yet, you should still try to pay by the Jan 15 deadline. If your insurer will let you, that is.\u003c/p>\n\u003cp>Covered California has created a page called \u003ca href=\"https://www.coveredca.com/getting-covered/how-to-pay.html\" target=\"_blank\">How to Pay\u003c/a> with information on payment methods for all 11 of its plans. We've reproduced it here, including phone numbers you can call if you have not yet received your invoice (fair warning that you are still likely to wait on hold):\u003c/p>\n\u003cstyle>\n.tftable {font-size:12px;color:#333333;width:100%;border-width: 1px;border-color: #729ea5;border-collapse: collapse;}\n.tftable th {font-size:12px;background-color:#acc8cc;border-width: 1px;padding: 8px;border-style: solid;border-color: #729ea5;text-align:left;}\n.tftable tr {background-color:#d4e3e5;}\n.tftable td {font-size:12px;border-width: 1px;padding: 8px;border-style: solid;border-color: #729ea5;}\n.tftable tr:hover {background-color:#ffffff;}\n\u003c/style>\n\u003ctable class=\"tftable\" border=\"1\">\n\u003ctr>\n\u003cth>Health Plan\u003c/th>\n\u003cth>Pay by Phone\u003c/th>\n\u003cth>Pay Online\u003c/th>\n\u003cth width=\"100px\">Pay by Mail\u003c/th>\n\u003cth>No Invoice Received?\u003c/th>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Anthem Blue Cross\u003cstrong>\u003c/strong>\u003c/strong>\u003c/td>\n\u003ctd>(855) 634-3381\u003cbr>\nHave your Subscriber ID or Social Security number\u003c/td>\n\u003ctd>Visit the payment landing page \u003ca href=\"http://www.anthem.com/ca/paymentlanding\" target=\"_blank\">www.anthem.com/ca/\u003cbr>paymentlanding\u003c/a>\u003cbr>\nfor further details\u003c/td>\n\u003ctd>Please reference the information found on the payment letter.\u003c/td>\n\u003ctd>(855) 634-3381\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Blue Shield of California\u003c/strong>\u003c/td>\n\u003ctd>(855) 836-9705. Have your Case # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://service.healthplan.com/blueshieldca/binder\" target=\"_blank\">http://service.health\u003cbr>plan.com/\u003cbr>\nblueshieldca/binder\u003c/a>. Have your Social Security Number\u003c/td>\n\u003ctd>P.O. Box 60514, City of Industry, CA, 91716-0514\n\u003cp>Have your Certificate Number from your Invoice to payment; add your invoice stub\u003c/p>\u003c/td>\n\u003ctd>Go to \u003ca href=\"http://service.healthplan.com/blueshieldca/binder\" target=\"_blank\">http://service.healthplan.com/\u003c/a> Have your Social Security Number available\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Chinese Community Health Plan\u003c/strong>\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>For first-time payment: log in to your CoveredCA.com account; follow payment instructions\u003c/td>\n\u003ctd>445 Grant Avenue, #700 San Francisco, CA 94108\n\u003cp>Add your invoice stub\u003c/p>\u003c/td>\n\u003ctd>(877) 224-7808\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Contra Costa Health Plan\u003c/strong>\u003c/td>\n\u003ctd>(855) 957-2247\u003cbr>\nSelect Option 2, include Covered CA ID\u003c/td>\n\u003ctd>\u003ca href=\"http://coveredcc.org/payment\" target=\"_blank\">http://coveredcc.org/\u003cbr>payment\u003c/a>\u003cbr>\ninclude Covered CA ID\u003c/td>\n\u003ctd>Contra Costa Health Plan\u003cbr>\nP.O.Box 2390\u003cbr>\nOmaha NE\u003cbr>\n68103\n\u003cp>include Covered CA ID\u003c/p>\u003c/td>\n\u003ctd>(855) 957-2247\u003cbr>\ninclude Covered CA ID\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Health Net\u003c/strong>\u003c/td>\n\u003ctd>(877) 200-9260\u003cbr>\nHave your Subscriber ID and payment method.\u003cbr>\n(If you don't have your Subscriber ID go to \u003ca href=\"http://www.healthnet.com/getmyid\" target=\"_blank\">www.healthnet.com/\u003cbr>\ngetmyid\u003c/a> to obtain one)\u003c/td>\n\u003ctd>Online payments accepted only after first payment\u003c/td>\n\u003ctd>P.O. Box 60515\u003cbr>\nCity of Industry, CA\u003cbr>\n91716-0515\n\u003cp>Add Subscriber ID to payment\u003c/p>\u003c/td>\n\u003ctd>Go to \u003ca href=\"http://www.healthnet.com/getmyid\" target=\"_blank\">www.healthnet.com/\u003cbr>\ngetmyid\u003c/a> to obtain your ID and call\u003cbr>\n(877) 200-9260\u003cbr>\nto make your payment\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Kaiser Permanente\u003c/strong>\u003c/td>\n\u003ctd>Have Account number, invoice number, and subscriber last name from invoice available.\n\u003cp>Northern California\u003cbr>\n(866) 475-3920\u003cbr>\n(866) 733-7787 Spanish \u003c/p>\n\u003cp>Southern California\u003cbr>\n(866) 450-5648\u003cbr>\n(866) 733-7775 Spanish\u003c/p>\u003c/td>\n\u003ctd>\u003ca href=\"http://www.kp.org/paypremium\" target=\"_blank\">www.kp.org/paypremium\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 7192\u003cbr>\nPasadena CA 91109-7192\n\u003cp>Follow the directions on your invoice.\u003c/p>\u003c/td>\n\u003ctd>Northern California\u003cbr>\n(866) 475-3920\u003cbr>\n(866) 733-7787 Spanish\n\u003cp>Southern California\u003cbr>\n(866) 450-5648\u003cbr>\n(866) 733-7775 Spanish\u003c/p>\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>L.A. Care\u003cbr>\nHealth Plan\u003c/strong>\u003c/td>\n\u003ctd>(855) 270-2327\u003cbr>\n(TTY/TDD 1-855-576-1620)\u003cbr>\nHave your Case # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://www.lacarecovered.org/makeapayment\" target=\"_blank\">www.lacarecovered.org/\u003cbr>\nmakeapayment\u003c/a>\u003cbr>\nHave your Customer and Invoice Number\u003c/td>\n\u003ctd>L.A. Care Covered\u003cbr>\nP.O. Box 515389\u003cbr>\nLos Angeles, CA\u003cbr>\n90051 \n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(855) 270-2327\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Molina Healthcare Inc.\u003c/strong>\u003c/td>\n\u003ctd>(888) 858-2150\u003cbr>\nHave your Covered CA ID or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"www.molinahealth%0Acare.com/%20payment\" target=\"_blank\">www.molinahealthcare.com/\u003cbr>\npayment\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 7010\u003cbr>\nPasadena, CA\u003cbr>\n91109-7010\n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(888) 858-2150\u003cbr>\nHave your Covered CA ID or Social Security number\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Sharp Health Plan\u003c/strong>\u003c/td>\n\u003ctd>(800) 359-2002\u003cbr>\nHave your Sharp Member ID # or Social Security number\u003c/td>\n\u003ctd>\u003ca href=\"http://www.sharphealth%0Aplan.com/%20payment\" target=\"_blank\">www.sharphealthplan.com/\u003cbr>\npayment\u003c/a>\u003c/td>\n\u003ctd>P.O. Box 57248\u003cbr>\nLos Angeles, CA\u003cbr>\n90074-7248\n\u003cp>Add Case # to payment\u003c/p>\u003c/td>\n\u003ctd>(800) 359-2002\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Valley Health Plan\u003c/strong>\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>N/A\u003c/td>\n\u003ctd>Los Angeles Lockbox\u003cbr>\nCounty of Santa Clara\u003cbr>\nPO Box 740300\u003cbr>\nLos Angeles, CA\u003cbr>\n90074-0300\n\u003cp>Only taking money orders and checks -- follow directions on invoice\u003c/p>\u003c/td>\n\u003ctd>(888) 421-8444\u003c/td>\n\u003c/tr>\n\u003ctr>\n\u003ctd>\u003cstrong>Western Health Advantage\u003c/strong>\u003c/td>\n\u003ctd>(888) 442-2206\u003cbr>\nHave your WHA ID #, or Social Security number\u003c/td>\n\u003ctd>For first-time payment: log in to your CoveredCA.com account; follow payment instructions\u003c/td>\n\u003ctd>WHA, DEPT 34668\u003cbr>\nPO BOX 39000\u003cbr>\nSan Francisco, CA 94139\u003cbr>\n---------------------------------\u003c/td>\n\u003ctd>(888) 442-2206\u003cbr>\nHave your WHA ID #, or Social Security number\u003c/td>\n\u003c/tr>\n\u003c/table>\n\u003cp> \u003c/p>\n\u003cp>Don't forget: If you haven’t signed up yet, open enrollment runs until Mar. 31. Here is the breakdown in deadlines:\u003c/p>\n\u003cul>\n\u003cli>Enroll by Jan. 15 for coverage that starts Feb. 1\u003c/li>\n\u003cli>Enroll by Feb 15 for coverage that starts Mar. 1\u003c/li>\n\u003cli>Enroll by Mar. 15 for coverage that starts Apr. 1\u003c/li>\n\u003cli>Enroll by Mar. 31 for coverage that starts May 1\u003c/li>\n\u003c/ul>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>If you don't sign up for health insurance by Mar. 31, you could have to pay a penalty. In 2014, the amount is $95 per adult or 1 percent of your income, whichever is greater.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Many Spanish Speakers Left Behind in First Wave of Obamacare",
"title": "Many Spanish Speakers Left Behind in First Wave of Obamacare",
"headTitle": "State of Health | KQED News",
"content": "\u003cp>\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/CoveredCA_Spanish-e1388775098705.jpg\">\u003cimg title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/CoveredCA_Spanish-640x480.jpg\" alt=\"CoveredCA_Spanish\" width=\"640\" height=\"480\">\u003c/a>\u003cstrong>By Daniela Hernandez\u003c/strong>, \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/January/03/Spanish-speaking-consumers-Obamacare-enrollment.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>In Silicon Valley, the executives and engineers who’ve helped build the Apple, Google and Facebook empires earn high salaries and enjoy a slew of perks, including stellar health benefits.\u003c/p>\n\u003cp>The clients of the Ravenswood Family Health Center, a community clinic in East Palo Alto just two miles away from Facebook’s sprawling headquarters, live in a very different Silicon Valley.\u003c/p>\n\u003cp>They’re the gardeners, nannies, factory workers and service staff who keep Silicon Valley homes and offices humming, the lawns manicured and the families comfortable.\u003c/p>\n\u003cp>They are also, in many ways, a microcosm of the population the Affordable Care Act was meant to help.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Many earn between $5 and $15 an hour, don’t own or use computers and are more comfortable speaking Spanish than English. Sixty-five percent of East Palo Alto’s population is Latino, a group seen as crucial to the success of the health law. Many lack health insurance and pose a lower financial risk because they are typically younger and healthier than others.\u003c/p>\n\u003cp>Yet California, with the greatest number of Latinos in the country, is far behind in reaching this population. And across the nation, the picture appears even worse.\u003c/p>\n\u003cp>\u003cstrong>Digital And Cultural Divide\u003c/strong>\u003c/p>\n\u003cp>Those who primarily speak Spanish are largely being left out of the first wave of coverage under Obamacare. Many missed the late December deadline for enrollment in plans beginning Jan. 1. People must sign up by March 31 or face a penalty.\u003c/p>\n\u003cp>In part, the lag in sign-ups among Spanish speakers reflects a digital − and a cultural − divide. Many are hesitant about handing over personal information to strangers over the Internet, advocates say. This group tends to be less educated, and have lower incomes and less access to technology than fluent English-speakers.\u003c/p>\n\u003cp>When Elizabeth Gonzalez, 31, started getting migraines her doctor prescribed medicine that cost $300. She had health insurance provided through a San Mateo County program for low-income adults, but the medicine wasn’t covered and she couldn’t afford it.\u003c/p>\n\u003cp>\"I guess I don’t need it,\" she remembers thinking. Then she started wondering whether the new health law might offer a better plan.\u003c/p>\n\u003cp>Gonzalez, a part-time library aide, started hunting for resources to help her decipher the Affordable Care Act. Though a Los Angeles native, she was raised in Morelia, Mexico and preferred to have the law explained to her in Spanish.\u003c/p>\n\u003cp>California’s health insurance marketplace, Covered California, has had a functioning Spanish-language website since Oct. 1 – which puts it ahead of most of the rest of the country. But Gonzalez couldn’t access the site from home because she doesn’t have Internet service or a smartphone.\u003c/p>\n\u003cp>\"With my budget, I don’t have access to that,\" she said in Spanish. \"I have to limit myself to the primordial.\"\u003c/p>\n\u003cp>Instead, she relied on staff at the county’s human services office, two floors up from the library where she works, to guide her.\u003c/p>\n\u003cp>Staff members there told her she needed to fill out an application and to wait for up to a month to hear whether she was eligible for Medi-Cal − California’s insurance program for the poor. Discouraged, she made repeated telephone calls to the hotline for Covered California.\u003c/p>\n\u003cp>\"There’s no one picking up, probably because there’s not enough people,\" she said. \"We need more information in poor communities and places to help you fill out forms so you know you’re doing it correctly. There’s not enough [information] in Spanish.\"\u003c/p>\n\u003cp>According to the latest data released by the state, less than 5 percent of California’s roughly 110,000 signups in October and November were completed in Spanish.\u003c/p>\n\u003cp>Spanish-speaking operators at Covered California call centers, as well as navigators who can walk people through enrollment, are in short supply. The section on the Spanish version of Covered California for requesting help with enrollment still links to an English website.\u003c/p>\n\u003cp>In other parts of the country, Spanish speakers are worse off.\u003c/p>\n\u003cp>\u003cstrong>'Big Push' By March 31\u003c/strong>\u003c/p>\n\u003cp>In the 36 states that rely on the federally run insurance exchanges, including Texas and Florida, Latinos until recently couldn’t enroll online in Spanish. CuidadoDeSalud.gov − the Spanish-friendly version of the federal marketplace − wasn’t fully working until Dec. 6, more than two months after its English counterpart, HealthCare.gov, launched on Oct. 1.\u003c/p>\n\u003cp>Officials decided to hold off opening enrollment on CuidadoDeSalud.gov until they addressed the technical glitches plaguing the English version. Even now, the Spanish website is rife with grammatical errors.\u003c/p>\n\u003cp>Federal officials note they have bilingual call centers, but Spanish-only calls to the federal exchange’s call centers barely totaled 180,000, or the equivalent of 3.5 percent of all calls, as of Dec. 10.\u003c/p>\n\u003cp>Unlike English speakers, Latinos who speak Spanish still don’t have the option to window-shop for plans before creating an account. The section in which customers can consult plans before signing up with a username and password is still non-existent in Spanish.\u003c/p>\n\u003cp>With many Latinos missing the deadline to be enrolled for coverage in the new marketplaces on Jan. 1, community organizers have shifted their attention to March 31, when the enrollment period for 2014 officially closes. Consumers who don’t enroll by this date will face a penalty. Medi-Cal enrollment will remain open, however.\u003c/p>\n\u003cp>\"Most of our community is going to be focused on that March 31 deadline, and that’s where the big push will be,\" Jane Delgado, the president and CEO of the National Alliance for Hispanic Health, an advocacy group based in Washington D.C., said earlier this month. \"I’m less concerned about getting everybody enrolled quickly than about getting people enrolled in plans that fit their needs. I have no doubt people will enroll. They just need better information and local navigators they can trust.\"\u003c/p>\n\u003cp>Adding to their worries, Latinos living in households with undocumented relatives often fear that signing up for a government run program will lead to unwanted scrutiny and even deportations. Others are wary of getting cheated or having their personal information hacked online.\u003c/p>\n\u003cp>Mindful of the mistrust, Ravenswood has been careful to develop a bond with its patients.\u003c/p>\n\u003cp>The clinic has eight certified enrollment counselors to help clients determine what kind of insurance they need and can afford.\u003c/p>\n\u003cp>\"The majority of people coming in are people who we have to help 100 percent. We’re both translating and explaining everything, even when they do speak English,\" said Ravenswood CEO Luisa Buada. \"In general, everyone really, really wants someone to hold their hand through the whole process.\"\u003c/p>\n\u003cp>\u003cstrong>'We Wanted To Be Sure This Wasn't A Scam'\u003c/strong>\u003c/p>\n\u003cp>Maria Garcia, 51, is among the roughly 200 people Ravenswood has screened or enrolled since October 1. Garcia, whose husband supports the family with his manufacturing job, went for help in part because she was concerned about fraud.\u003c/p>\n\u003cp>\"Latinos − we don’t trust easily,\" she said. \"We wanted to be sure this wasn’t a scam.\"\u003c/p>\n\u003cp>Garcia doesn’t speak English and though she has a computer at home, \"I haven’t learned to use it,\" she said. She generally relies on her children to search the Web for her and to translate the information she needs.\u003c/p>\n\u003cp>This time, the staff at Ravenswood helped her. Starting in January, she’ll be paying $36 a month for coverage for her and her husband thanks to a government subsidy.\u003c/p>\n\u003cp>After her discouraging experiences with the county office and the various hotlines, Gonzalez ended up at Ravenswood as well. It was just across the street from the library. Staffers quickly told her she qualified for Medi-Cal. Her migraine medication will now be covered.\u003c/p>\n\u003cp>\"I was happy,\" she said.\u003c/p>\n\u003cp>Ravenswood’s counselors are booked solid through the end of January. Buada and her staff have set up six enclosed booths, each with a small table, a chair, a Lenovo computer and a wrap-around black-and-white curtain, so that people who don’t have a computer or Internet access at home can feel comfortable coming in.\u003c/p>\n\u003cp>\"We are very good with cellphones or email, but to use that website, you actually have to have access to a computer. That’s a problem,\" said the National Alliance for Hispanic Health’s Jane Delgado.\u003c/p>\n\u003cp>Even with the possibility of federal subsidies, some Latinos can’t afford coverage and will remain uninsured.\u003c/p>\n\u003cp>The median income for an East Palo Alto household is roughly $50,000, compared to a median income in the county of nearly $90,000. (On average, East Palo Alto households consist of four people compared to three countywide.) Often, 75 percent to 80 percent of a poor family’s income is spent on housing.\u003c/p>\n\u003cp>\"We’ve had a lot of people come in interested,\" Buada says. But when they see how much it’s going to cost, \"they say, 'I can’t pay for this,' and leave.\"\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>Kaiser Health News (KHN) is a nonprofit news organization covering health care policy and politics. It is an editorially independent program of the \u003c/em>\u003ca href=\"http://www.kff.org/\">\u003cstrong>\u003cem>Kaiser Family Foundation\u003c/em>\u003c/strong>\u003c/a>\u003cem>.\u003c/em>\u003c/p>\n\n",
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"excerpt": "Those who primarily speak Spanish are largely being left out of the first wave of coverage under Obamacare. Many missed the late December deadline for enrollment in plans beginning Jan. 1. People must sign up by March 31 or face a penalty.\r\n\r\nIn part, the lag in sign-ups among Spanish speakers reflects a digital − and a cultural − divide. Many are hesitant about handing over personal information to strangers over the Internet, advocates say. This group tends to be less educated, and have lower incomes and less access to technology than fluent English-speakers.",
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"description": "Those who primarily speak Spanish are largely being left out of the first wave of coverage under Obamacare. Many missed the late December deadline for enrollment in plans beginning Jan. 1. People must sign up by March 31 or face a penalty.\r\n\r\nIn part, the lag in sign-ups among Spanish speakers reflects a digital − and a cultural − divide. Many are hesitant about handing over personal information to strangers over the Internet, advocates say. This group tends to be less educated, and have lower incomes and less access to technology than fluent English-speakers.",
"title": "Many Spanish Speakers Left Behind in First Wave of Obamacare | KQED",
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"headline": "Many Spanish Speakers Left Behind in First Wave of Obamacare",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/CoveredCA_Spanish-e1388775098705.jpg\">\u003cimg title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/CoveredCA_Spanish-640x480.jpg\" alt=\"CoveredCA_Spanish\" width=\"640\" height=\"480\">\u003c/a>\u003cstrong>By Daniela Hernandez\u003c/strong>, \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/January/03/Spanish-speaking-consumers-Obamacare-enrollment.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>In Silicon Valley, the executives and engineers who’ve helped build the Apple, Google and Facebook empires earn high salaries and enjoy a slew of perks, including stellar health benefits.\u003c/p>\n\u003cp>The clients of the Ravenswood Family Health Center, a community clinic in East Palo Alto just two miles away from Facebook’s sprawling headquarters, live in a very different Silicon Valley.\u003c/p>\n\u003cp>They’re the gardeners, nannies, factory workers and service staff who keep Silicon Valley homes and offices humming, the lawns manicured and the families comfortable.\u003c/p>\n\u003cp>They are also, in many ways, a microcosm of the population the Affordable Care Act was meant to help.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Many earn between $5 and $15 an hour, don’t own or use computers and are more comfortable speaking Spanish than English. Sixty-five percent of East Palo Alto’s population is Latino, a group seen as crucial to the success of the health law. Many lack health insurance and pose a lower financial risk because they are typically younger and healthier than others.\u003c/p>\n\u003cp>Yet California, with the greatest number of Latinos in the country, is far behind in reaching this population. And across the nation, the picture appears even worse.\u003c/p>\n\u003cp>\u003cstrong>Digital And Cultural Divide\u003c/strong>\u003c/p>\n\u003cp>Those who primarily speak Spanish are largely being left out of the first wave of coverage under Obamacare. Many missed the late December deadline for enrollment in plans beginning Jan. 1. People must sign up by March 31 or face a penalty.\u003c/p>\n\u003cp>In part, the lag in sign-ups among Spanish speakers reflects a digital − and a cultural − divide. Many are hesitant about handing over personal information to strangers over the Internet, advocates say. This group tends to be less educated, and have lower incomes and less access to technology than fluent English-speakers.\u003c/p>\n\u003cp>When Elizabeth Gonzalez, 31, started getting migraines her doctor prescribed medicine that cost $300. She had health insurance provided through a San Mateo County program for low-income adults, but the medicine wasn’t covered and she couldn’t afford it.\u003c/p>\n\u003cp>\"I guess I don’t need it,\" she remembers thinking. Then she started wondering whether the new health law might offer a better plan.\u003c/p>\n\u003cp>Gonzalez, a part-time library aide, started hunting for resources to help her decipher the Affordable Care Act. Though a Los Angeles native, she was raised in Morelia, Mexico and preferred to have the law explained to her in Spanish.\u003c/p>\n\u003cp>California’s health insurance marketplace, Covered California, has had a functioning Spanish-language website since Oct. 1 – which puts it ahead of most of the rest of the country. But Gonzalez couldn’t access the site from home because she doesn’t have Internet service or a smartphone.\u003c/p>\n\u003cp>\"With my budget, I don’t have access to that,\" she said in Spanish. \"I have to limit myself to the primordial.\"\u003c/p>\n\u003cp>Instead, she relied on staff at the county’s human services office, two floors up from the library where she works, to guide her.\u003c/p>\n\u003cp>Staff members there told her she needed to fill out an application and to wait for up to a month to hear whether she was eligible for Medi-Cal − California’s insurance program for the poor. Discouraged, she made repeated telephone calls to the hotline for Covered California.\u003c/p>\n\u003cp>\"There’s no one picking up, probably because there’s not enough people,\" she said. \"We need more information in poor communities and places to help you fill out forms so you know you’re doing it correctly. There’s not enough [information] in Spanish.\"\u003c/p>\n\u003cp>According to the latest data released by the state, less than 5 percent of California’s roughly 110,000 signups in October and November were completed in Spanish.\u003c/p>\n\u003cp>Spanish-speaking operators at Covered California call centers, as well as navigators who can walk people through enrollment, are in short supply. The section on the Spanish version of Covered California for requesting help with enrollment still links to an English website.\u003c/p>\n\u003cp>In other parts of the country, Spanish speakers are worse off.\u003c/p>\n\u003cp>\u003cstrong>'Big Push' By March 31\u003c/strong>\u003c/p>\n\u003cp>In the 36 states that rely on the federally run insurance exchanges, including Texas and Florida, Latinos until recently couldn’t enroll online in Spanish. CuidadoDeSalud.gov − the Spanish-friendly version of the federal marketplace − wasn’t fully working until Dec. 6, more than two months after its English counterpart, HealthCare.gov, launched on Oct. 1.\u003c/p>\n\u003cp>Officials decided to hold off opening enrollment on CuidadoDeSalud.gov until they addressed the technical glitches plaguing the English version. Even now, the Spanish website is rife with grammatical errors.\u003c/p>\n\u003cp>Federal officials note they have bilingual call centers, but Spanish-only calls to the federal exchange’s call centers barely totaled 180,000, or the equivalent of 3.5 percent of all calls, as of Dec. 10.\u003c/p>\n\u003cp>Unlike English speakers, Latinos who speak Spanish still don’t have the option to window-shop for plans before creating an account. The section in which customers can consult plans before signing up with a username and password is still non-existent in Spanish.\u003c/p>\n\u003cp>With many Latinos missing the deadline to be enrolled for coverage in the new marketplaces on Jan. 1, community organizers have shifted their attention to March 31, when the enrollment period for 2014 officially closes. Consumers who don’t enroll by this date will face a penalty. Medi-Cal enrollment will remain open, however.\u003c/p>\n\u003cp>\"Most of our community is going to be focused on that March 31 deadline, and that’s where the big push will be,\" Jane Delgado, the president and CEO of the National Alliance for Hispanic Health, an advocacy group based in Washington D.C., said earlier this month. \"I’m less concerned about getting everybody enrolled quickly than about getting people enrolled in plans that fit their needs. I have no doubt people will enroll. They just need better information and local navigators they can trust.\"\u003c/p>\n\u003cp>Adding to their worries, Latinos living in households with undocumented relatives often fear that signing up for a government run program will lead to unwanted scrutiny and even deportations. Others are wary of getting cheated or having their personal information hacked online.\u003c/p>\n\u003cp>Mindful of the mistrust, Ravenswood has been careful to develop a bond with its patients.\u003c/p>\n\u003cp>The clinic has eight certified enrollment counselors to help clients determine what kind of insurance they need and can afford.\u003c/p>\n\u003cp>\"The majority of people coming in are people who we have to help 100 percent. We’re both translating and explaining everything, even when they do speak English,\" said Ravenswood CEO Luisa Buada. \"In general, everyone really, really wants someone to hold their hand through the whole process.\"\u003c/p>\n\u003cp>\u003cstrong>'We Wanted To Be Sure This Wasn't A Scam'\u003c/strong>\u003c/p>\n\u003cp>Maria Garcia, 51, is among the roughly 200 people Ravenswood has screened or enrolled since October 1. Garcia, whose husband supports the family with his manufacturing job, went for help in part because she was concerned about fraud.\u003c/p>\n\u003cp>\"Latinos − we don’t trust easily,\" she said. \"We wanted to be sure this wasn’t a scam.\"\u003c/p>\n\u003cp>Garcia doesn’t speak English and though she has a computer at home, \"I haven’t learned to use it,\" she said. She generally relies on her children to search the Web for her and to translate the information she needs.\u003c/p>\n\u003cp>This time, the staff at Ravenswood helped her. Starting in January, she’ll be paying $36 a month for coverage for her and her husband thanks to a government subsidy.\u003c/p>\n\u003cp>After her discouraging experiences with the county office and the various hotlines, Gonzalez ended up at Ravenswood as well. It was just across the street from the library. Staffers quickly told her she qualified for Medi-Cal. Her migraine medication will now be covered.\u003c/p>\n\u003cp>\"I was happy,\" she said.\u003c/p>\n\u003cp>Ravenswood’s counselors are booked solid through the end of January. Buada and her staff have set up six enclosed booths, each with a small table, a chair, a Lenovo computer and a wrap-around black-and-white curtain, so that people who don’t have a computer or Internet access at home can feel comfortable coming in.\u003c/p>\n\u003cp>\"We are very good with cellphones or email, but to use that website, you actually have to have access to a computer. That’s a problem,\" said the National Alliance for Hispanic Health’s Jane Delgado.\u003c/p>\n\u003cp>Even with the possibility of federal subsidies, some Latinos can’t afford coverage and will remain uninsured.\u003c/p>\n\u003cp>The median income for an East Palo Alto household is roughly $50,000, compared to a median income in the county of nearly $90,000. (On average, East Palo Alto households consist of four people compared to three countywide.) Often, 75 percent to 80 percent of a poor family’s income is spent on housing.\u003c/p>\n\u003cp>\"We’ve had a lot of people come in interested,\" Buada says. But when they see how much it’s going to cost, \"they say, 'I can’t pay for this,' and leave.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>Kaiser Health News (KHN) is a nonprofit news organization covering health care policy and politics. It is an editorially independent program of the \u003c/em>\u003ca href=\"http://www.kff.org/\">\u003cstrong>\u003cem>Kaiser Family Foundation\u003c/em>\u003c/strong>\u003c/a>\u003cem>.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Check Your Blood Pressure, (Unwittingly) Sell Your Contact Information",
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"content": "\u003cfigure id=\"attachment_16962\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS8020_SoloHealth-scr-e1388422966166.jpg\">\u003cimg class=\"size-large wp-image-16962\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS8020_SoloHealth-scr-640x487.jpg\" alt=\"(April Dembosky/KQED)\" width=\"640\" height=\"487\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(April Dembosky/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Health insurance companies are on the prowl for more customers. There are still three months to go for people to enroll in health plans under the Affordable Care Act, but insurers don't want to rely solely on state or federal websites to find them. Some are finding a path to new customers by partnering with companies that operate health-screening kiosks –- those machines in supermarkets and drug stores where people check their blood pressure or weight.\u003c/p>\n\u003cp>One of these kiosks sits in aisle ten of a Safeway grocery store in a city near San Francisco. It’s nestled next to the shelves of antacid and cold medicine. Sitting down at the machine is like slipping into the cockpit of a 1980s arcade game. There’s a big plastic seat and foot rest for measuring weight and body mass index, a window for testing vision, and a blood pressure cuff.\u003c/p>\n\u003cp>\"Make sure the cuff comes up above your elbow,\" says an attractive brunette on screen. She is wearing a white lab coat, and her hair is pulled back in a tight bun. She asks a lot of personal questions throughout the session, like “Do you have a blood relative who was told they have a heart problem?” Or, “During the past 30 days, how many days have you felt sad or depressed?”\u003c!--more-->\u003c/p>\n\u003cp>The machines are owned by a company near Atlanta called SoloHealth. It started installing the kiosks in Walmart and other retail stores in 2008 to give people a way to keep better track of their health. Today there are more than 3,500 SoloHealth stations across the U.S. and the company plans to install another 1,500 this year. The company says more than 12,000 Californians use one every day.\u003c/p>\n\u003cp>SoloHealth first made money by selling ads for pharmacy items displayed near the kiosks. But in the era of health care reform, the company happened upon a new business model. All the data it has collected about people’s health, diet, and family disease history is suddenly very valuable to health insurance companies.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“As much as we’ve moved to the market, the market has really moved to us,” says Bart Foster, CEO of SoloHealth. “We’re able to provide much more detailed information than the health plans even know what to do with today.”\u003c/p>\n\u003cp>In this case, providing means selling information about people who have used SoloHealth kiosks. For now, SoloHealth is selling just names, email addresses and phone numbers to insurers who want to market health plans directly to consumers. In the past, insurers sold most of their plans through large employer contracts. Now that all Americans are required to have insurance by March 31 or pay a penalty, insurers are looking for new ways of finding potential customers, and competing with each other to get their attention. Anthem Blue Cross is one of them. It brokered an exclusive agreement with SoloHealth to be the sole insurance company featured on kiosks throughout California.\u003c/p>\n\u003cp>“We know that engaging consumers early and engaging them with our messaging helps improve the chances of them choosing Anthem as their health plan,” says spokesperson Darrel Ng.\u003c/p>\n\u003cp>As a part of that plan, SoloHealth added a new service to its machines in October offering help with understanding the Affordable Care Act.\u003c/p>\n\u003cp>“If you would like to learn more about the upcoming changes to the health care system and how they affect you\" a male voice now says to visitors at the kiosks, \"select the 'continue' button at the bottom of the screen.\"\u003c/p>\n\u003cp>A drawing of a doctor with a stethoscope around his neck flashes and the voiceover says, “We can have an experienced professional reach out to help you find the plan that meets your specific needs.”\u003c/p>\n\u003cp>But what the friendly voice doesn’t make clear is that the “experienced professional” who will follow up is not a doctor or SoloHealth representative, but an insurance broker. That is only explained after the customer enters his or her name and email.\u003c/p>\n\u003cp>Privacy advocates say this is misleading.\u003c/p>\n\u003cp>“Consumers have every reason to be shocked this is happening,” says Pam Dixon, executive director of the nonprofit World Privacy Forum based in San Diego.\u003c/p>\n\u003cp>She says most consumers don't understand that their information is being sold. While there is a two-page health privacy disclosure, it can only be viewed by clicking a blue button at the bottom of the screen. Whether customers read it or not, they agree to all the terms when they hit a separate green button. Dixon says that’s not good enough.\u003c/p>\n\u003cp>“The fact that they’re not being told in a clear, conspicuous and prominent manner is problematic,” she says.\u003c/p>\n\u003cp>SoloHealth says it is reviewing the customer experience of its kiosks.\u003c/p>\n\u003cp>But in the wake of partnering with insurance companies SoloHealth has made another recent change. Until a couple weeks ago, the company's comprehensive privacy policy -- the policy that governs what the company can do with the data it collects -- wasn't on the machine. There was a web address provided, but since there was no internet connection at the kiosk, there was no way to actually read it. At first, SoloHealth said it was too cumbersome to scroll through the information on the small kiosk screen. But then, in mid-December, the company added the full policy to its machines. SoloHealth said the change was to improve transparency.\u003c/p>\n\u003cp>“We work with retail partners, our attorneys, and our corporate sponsors to make sure that we’re totally buttoned up,” says Foster, SoloHealth's CEO. “We have a number of very large companies that have looked at this and are very comfortable with where we are.”\u003c/p>\n\u003cp>But some consumers aren’t very comfortable. Stacey Winn has been using the kiosk at her local supermarket for the last six months to track her blood pressure. She doesn't remember ever seeing a privacy policy, even when she visited late last month. What she did notice for the first time were ads for a health insurance plan. Now she feels uneasy about her blood pressure records, weight, age, and ethnicity details being stored in the company’s database.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“I wonder now what they’re doing with that information when I hadn’t really wondered that before,” she says. “There’s a saying that if a service is offered for free then you’re actually the product that’s being sold, and I think that this is turning into an example of that.”\u003c/p>\n\n",
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"excerpt": "Health insurance companies are on the prowl for more customers. There are still three months to go for people to enroll in health plans under the Affordable Care Act, but insurers don't want to rely solely on state or government websites to find them. Some are finding a path to Americans’ inboxes by partnering with companies that operate health-screening kiosks – those machines in supermarkets and drug stores where people check their blood pressure or weight.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16962\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS8020_SoloHealth-scr-e1388422966166.jpg\">\u003cimg class=\"size-large wp-image-16962\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS8020_SoloHealth-scr-640x487.jpg\" alt=\"(April Dembosky/KQED)\" width=\"640\" height=\"487\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(April Dembosky/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Health insurance companies are on the prowl for more customers. There are still three months to go for people to enroll in health plans under the Affordable Care Act, but insurers don't want to rely solely on state or federal websites to find them. Some are finding a path to new customers by partnering with companies that operate health-screening kiosks –- those machines in supermarkets and drug stores where people check their blood pressure or weight.\u003c/p>\n\u003cp>One of these kiosks sits in aisle ten of a Safeway grocery store in a city near San Francisco. It’s nestled next to the shelves of antacid and cold medicine. Sitting down at the machine is like slipping into the cockpit of a 1980s arcade game. There’s a big plastic seat and foot rest for measuring weight and body mass index, a window for testing vision, and a blood pressure cuff.\u003c/p>\n\u003cp>\"Make sure the cuff comes up above your elbow,\" says an attractive brunette on screen. She is wearing a white lab coat, and her hair is pulled back in a tight bun. She asks a lot of personal questions throughout the session, like “Do you have a blood relative who was told they have a heart problem?” Or, “During the past 30 days, how many days have you felt sad or depressed?”\u003c!--more-->\u003c/p>\n\u003cp>The machines are owned by a company near Atlanta called SoloHealth. It started installing the kiosks in Walmart and other retail stores in 2008 to give people a way to keep better track of their health. Today there are more than 3,500 SoloHealth stations across the U.S. and the company plans to install another 1,500 this year. The company says more than 12,000 Californians use one every day.\u003c/p>\n\u003cp>SoloHealth first made money by selling ads for pharmacy items displayed near the kiosks. But in the era of health care reform, the company happened upon a new business model. All the data it has collected about people’s health, diet, and family disease history is suddenly very valuable to health insurance companies.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“As much as we’ve moved to the market, the market has really moved to us,” says Bart Foster, CEO of SoloHealth. “We’re able to provide much more detailed information than the health plans even know what to do with today.”\u003c/p>\n\u003cp>In this case, providing means selling information about people who have used SoloHealth kiosks. For now, SoloHealth is selling just names, email addresses and phone numbers to insurers who want to market health plans directly to consumers. In the past, insurers sold most of their plans through large employer contracts. Now that all Americans are required to have insurance by March 31 or pay a penalty, insurers are looking for new ways of finding potential customers, and competing with each other to get their attention. Anthem Blue Cross is one of them. It brokered an exclusive agreement with SoloHealth to be the sole insurance company featured on kiosks throughout California.\u003c/p>\n\u003cp>“We know that engaging consumers early and engaging them with our messaging helps improve the chances of them choosing Anthem as their health plan,” says spokesperson Darrel Ng.\u003c/p>\n\u003cp>As a part of that plan, SoloHealth added a new service to its machines in October offering help with understanding the Affordable Care Act.\u003c/p>\n\u003cp>“If you would like to learn more about the upcoming changes to the health care system and how they affect you\" a male voice now says to visitors at the kiosks, \"select the 'continue' button at the bottom of the screen.\"\u003c/p>\n\u003cp>A drawing of a doctor with a stethoscope around his neck flashes and the voiceover says, “We can have an experienced professional reach out to help you find the plan that meets your specific needs.”\u003c/p>\n\u003cp>But what the friendly voice doesn’t make clear is that the “experienced professional” who will follow up is not a doctor or SoloHealth representative, but an insurance broker. That is only explained after the customer enters his or her name and email.\u003c/p>\n\u003cp>Privacy advocates say this is misleading.\u003c/p>\n\u003cp>“Consumers have every reason to be shocked this is happening,” says Pam Dixon, executive director of the nonprofit World Privacy Forum based in San Diego.\u003c/p>\n\u003cp>She says most consumers don't understand that their information is being sold. While there is a two-page health privacy disclosure, it can only be viewed by clicking a blue button at the bottom of the screen. Whether customers read it or not, they agree to all the terms when they hit a separate green button. Dixon says that’s not good enough.\u003c/p>\n\u003cp>“The fact that they’re not being told in a clear, conspicuous and prominent manner is problematic,” she says.\u003c/p>\n\u003cp>SoloHealth says it is reviewing the customer experience of its kiosks.\u003c/p>\n\u003cp>But in the wake of partnering with insurance companies SoloHealth has made another recent change. Until a couple weeks ago, the company's comprehensive privacy policy -- the policy that governs what the company can do with the data it collects -- wasn't on the machine. There was a web address provided, but since there was no internet connection at the kiosk, there was no way to actually read it. At first, SoloHealth said it was too cumbersome to scroll through the information on the small kiosk screen. But then, in mid-December, the company added the full policy to its machines. SoloHealth said the change was to improve transparency.\u003c/p>\n\u003cp>“We work with retail partners, our attorneys, and our corporate sponsors to make sure that we’re totally buttoned up,” says Foster, SoloHealth's CEO. “We have a number of very large companies that have looked at this and are very comfortable with where we are.”\u003c/p>\n\u003cp>But some consumers aren’t very comfortable. Stacey Winn has been using the kiosk at her local supermarket for the last six months to track her blood pressure. She doesn't remember ever seeing a privacy policy, even when she visited late last month. What she did notice for the first time were ads for a health insurance plan. Now she feels uneasy about her blood pressure records, weight, age, and ethnicity details being stored in the company’s database.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cfigure id=\"attachment_15508\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Screenshot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>The deadline to sign up on the \u003ca href=\"https://www.coveredca.com\" target=\"_blank\">Covered California\u003c/a> marketplace for health insurance that takes effect Jan. 1 was Monday at midnight. But, if you started an application \u003cem>before\u003c/em> that deadline, Covered California is giving you until 8pm Friday night to finish.\u003c/p>\n\u003cp>Here's the catch -- you cannot finish the process online. You must either contact the call center or work with a certified agent or enrollment counselor. [The call center number is 1-800-300-1506.]\u003c/p>\n\u003cp>Whether you are already enrolled in a plan or finishing the enrollment today, your first payment must be received by your health plan by Jan. 6, 2014. If you haven't yet received a bill, you might want to contact the health plan.\u003c!--more-->\u003c/p>\n\u003cp>Covered California was mum Friday morning as to how many people might be finishing applications. But James Scullary, a spokesperson with Covered California, says that \"we've passed the 400,000 mark\" for people who have completed applications and selected a plan. That includes 103,000 people who enrolled in just four days from Friday, Dec. 19 through Monday, Dec. 23. As of the end of November, an additional 179,000 people who came through the Covered California site are likely eligible for \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/10/will-you-qualify-for-medi-cal-under-obamacare/\" target=\"_blank\">Medi-Cal.\u003c/a>\u003c/p>\n\u003cp>If you didn't start an application already, you still have time, too. Scullary says Monday was just the first of several deadlines. \"December 23rd was the deadline to get coverage starting January first,\" he said. \"But if you missed that, and you come in after the 23rd, or you come in any time up to January 15th, then you'll be covered February first.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Here's the breakdown on deadlines going forward:\u003c/p>\n\u003cul>\n\u003cli>January 15, 2014: deadline to enroll for coverage starting Feb. 1\u003c/li>\n\u003cli>February 15, 2014: deadline to enroll for coverage starting Mar. 1\u003c/li>\n\u003cli>March 15, 2014: deadline to enroll for coverage starting Apr. 1\u003c/li>\n\u003cli>March 31, 2014: deadline to enroll for coverage starting May 1\u003c/li>\n\u003c/ul>\n\u003cp>March 31 is also the end of open enrollment. If you do not have health insurance by that deadline, you could be subject to a penalty.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Isabel Angell contributed to this post.\u003c/em>\u003c/p>\n\n",
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"excerpt": "The deadline to sign up on the Covered California marketplace for health insurance that takes effect Jan. 1 was Monday at midnight. But, if you started an application before that deadline, Covered California is giving you until 8pm tonight to finish.\r\n\r\nHere's the catch -- you cannot finish the process online. You must either contact the call center or work with a certified agent or enrollment counselor. [The call center number is 1-800-300-1506.]",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15508\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Screenshot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>The deadline to sign up on the \u003ca href=\"https://www.coveredca.com\" target=\"_blank\">Covered California\u003c/a> marketplace for health insurance that takes effect Jan. 1 was Monday at midnight. But, if you started an application \u003cem>before\u003c/em> that deadline, Covered California is giving you until 8pm Friday night to finish.\u003c/p>\n\u003cp>Here's the catch -- you cannot finish the process online. You must either contact the call center or work with a certified agent or enrollment counselor. [The call center number is 1-800-300-1506.]\u003c/p>\n\u003cp>Whether you are already enrolled in a plan or finishing the enrollment today, your first payment must be received by your health plan by Jan. 6, 2014. If you haven't yet received a bill, you might want to contact the health plan.\u003c!--more-->\u003c/p>\n\u003cp>Covered California was mum Friday morning as to how many people might be finishing applications. But James Scullary, a spokesperson with Covered California, says that \"we've passed the 400,000 mark\" for people who have completed applications and selected a plan. That includes 103,000 people who enrolled in just four days from Friday, Dec. 19 through Monday, Dec. 23. As of the end of November, an additional 179,000 people who came through the Covered California site are likely eligible for \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/12/10/will-you-qualify-for-medi-cal-under-obamacare/\" target=\"_blank\">Medi-Cal.\u003c/a>\u003c/p>\n\u003cp>If you didn't start an application already, you still have time, too. Scullary says Monday was just the first of several deadlines. \"December 23rd was the deadline to get coverage starting January first,\" he said. \"But if you missed that, and you come in after the 23rd, or you come in any time up to January 15th, then you'll be covered February first.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Here's the breakdown on deadlines going forward:\u003c/p>\n\u003cul>\n\u003cli>January 15, 2014: deadline to enroll for coverage starting Feb. 1\u003c/li>\n\u003cli>February 15, 2014: deadline to enroll for coverage starting Mar. 1\u003c/li>\n\u003cli>March 15, 2014: deadline to enroll for coverage starting Apr. 1\u003c/li>\n\u003cli>March 31, 2014: deadline to enroll for coverage starting May 1\u003c/li>\n\u003c/ul>\n\u003cp>March 31 is also the end of open enrollment. If you do not have health insurance by that deadline, you could be subject to a penalty.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Isabel Angell contributed to this post.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cstrong>By Olivia Hubert-Allen and the Associated Press\u003c/strong>\u003c/p>\n\u003cfigure id=\"attachment_16356\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-e1385142271347.jpg\">\u003cimg class=\"size-large wp-image-16356\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187909355-640x426.jpg\" alt=\"Peter Lee, executive director of Covered California, said he is pleased with the number of young people who have enrolled so far. (Max Whitaker/Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Peter Lee, executive director of Covered California, said there are no plans to extend the deadline for those who want coverage by Jan. 1. (Max Whitaker/Getty Images) \u003ccite>(Max Whitaker/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cspan>Residents in California must sign up for health care plans through the Covered California exchange by the end of the day today to get coverage on Jan. 1. They will not push back the deadline, \u003c/span>\u003cspan>as the Obama administration announced it is doing for the 36 states using the federal health insurance exchange.\u003c/span>\u003c/p>\n\u003cp>\"If you want coverage to start on Jan. 1, you need to enroll today,\" said Peter Lee, the director of Covered California.\u003c/p>\n\u003cp>As long as customers begin the process before the deadline, Covered California will honor those who are still completing their applications into the next day.\u003c/p>\n\u003cp>\"If someone starts that application process today, we're going to get them across the finish line,\" Lee said. \"It's like the election. If you're in line when the polls closed, you can vote.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>On Friday, Covered California had the largest single-day of enrollment, with 29,000 Californians enrolling in plans. The group is expecting today could be even larger.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n",
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"info": "KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/news/series/baycurious",
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"source": "kqed",
"order": 3
},
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"npr": "https://www.npr.org/podcasts/500557090/bay-curious",
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},
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"id": "bbc-world-service",
"title": "BBC World Service",
"info": "The day's top stories from BBC News compiled twice daily in the week, once at weekends.",
"airtime": "MON-FRI 9pm-10pm, TUE-FRI 1am-2am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg",
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"meta": {
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},
"link": "/radio/program/bbc-world-service",
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"rss": "https://podcasts.files.bbci.co.uk/p02nq0gn.rss"
}
},
"californiareport": {
"id": "californiareport",
"title": "The California Report",
"tagline": "California, day by day",
"info": "KQED’s statewide radio news program providing daily coverage of issues, trends and public policy decisions.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/californiareport",
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"source": "kqed",
"order": 8
},
"link": "/californiareport",
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}
},
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"id": "californiareportmagazine",
"title": "The California Report Magazine",
"tagline": "Your state, your stories",
"info": "Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.",
"airtime": "FRI 4:30pm-5pm, 6:30pm-7pm, 11pm-11:30pm",
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"officialWebsiteLink": "/californiareportmagazine",
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"order": 10
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM3NjkwNjk1OTAz",
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},
"city-arts": {
"id": "city-arts",
"title": "City Arts & Lectures",
"info": "A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/cityartsandlecture-300x300.jpg",
"officialWebsiteLink": "https://www.cityarts.net/",
"airtime": "SUN 1pm-2pm, TUE 10pm, WED 1am",
"meta": {
"site": "news",
"source": "City Arts & Lectures"
},
"link": "https://www.cityarts.net",
"subscribe": {
"tuneIn": "https://tunein.com/radio/City-Arts-and-Lectures-p692/",
"rss": "https://www.cityarts.net/feed/"
}
},
"closealltabs": {
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"info": "Close All Tabs breaks down how digital culture shapes our world through thoughtful insights and irreverent humor.",
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"officialWebsiteLink": "/podcasts/closealltabs",
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"source": "kqed",
"order": 1
},
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"id": "code-switch-life-kit",
"title": "Code Switch / Life Kit",
"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"meta": {
"site": "radio",
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},
"link": "/radio/program/code-switch-life-kit",
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},
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
"airtime": "THU 10pm, FRI 1am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg",
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"meta": {
"site": "news",
"source": "Commonwealth Club of California"
},
"link": "/radio/program/commonwealth-club",
"subscribe": {
"apple": "https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2",
"google": "https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw",
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}
},
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"id": "forum",
"title": "Forum",
"tagline": "The conversation starts here",
"info": "KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.",
"airtime": "MON-FRI 9am-11am, 10pm-11pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED Forum with Mina Kim and Alexis Madrigal",
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"meta": {
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"source": "kqed",
"order": 9
},
"link": "/forum",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz",
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"freakonomics-radio": {
"id": "freakonomics-radio",
"title": "Freakonomics Radio",
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"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png",
"officialWebsiteLink": "http://freakonomics.com/",
"airtime": "SUN 1am-2am, SAT 3pm-4pm",
"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
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},
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"id": "fresh-air",
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"link": "/radio/program/fresh-air",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"info": "A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.",
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"rss": "https://feeds.npr.org/510051/podcast.xml"
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},
"hidden-brain": {
"id": "hidden-brain",
"title": "Hidden Brain",
"info": "Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.",
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"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
},
"link": "/radio/program/hidden-brain",
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},
"how-i-built-this": {
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"title": "How I Built This with Guy Raz",
"info": "Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.",
"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png",
"officialWebsiteLink": "https://www.npr.org/podcasts/510313/how-i-built-this",
"airtime": "SUN 7:30pm-8pm",
"meta": {
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"source": "npr"
},
"link": "/radio/program/how-i-built-this",
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"apple": "https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2",
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},
"hyphenacion": {
"id": "hyphenacion",
"title": "Hyphenación",
"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"officialWebsiteLink": "/podcasts/hyphenacion",
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"order": 15
},
"link": "/podcasts/hyphenacion",
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},
"jerrybrown": {
"id": "jerrybrown",
"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/podcasts/jerrybrown",
"meta": {
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"source": "kqed",
"order": 18
},
"link": "/podcasts/jerrybrown",
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}
},
"latino-usa": {
"id": "latino-usa",
"title": "Latino USA",
"airtime": "MON 1am-2am, SUN 6pm-7pm",
"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
"officialWebsiteLink": "http://latinousa.org/",
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"site": "news",
"source": "npr"
},
"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
}
},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
"site": "news",
"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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"rss": "https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"
}
},
"masters-of-scale": {
"id": "masters-of-scale",
"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Masters-of-Scale-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://mastersofscale.com/",
"meta": {
"site": "radio",
"source": "WaitWhat"
},
"link": "/radio/program/masters-of-scale",
"subscribe": {
"apple": "http://mastersofscale.app.link/",
"rss": "https://rss.art19.com/masters-of-scale"
}
},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
"subscribe": {
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
"npr": "https://www.npr.org/podcasts/464615685/mind-shift-podcast",
"stitcher": "https://www.stitcher.com/podcast/kqed/stories-teachers-share",
"spotify": "https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"
}
},
"morning-edition": {
"id": "morning-edition",
"title": "Morning Edition",
"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
"airtime": "MON-FRI 3am-9am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.npr.org/programs/morning-edition/",
"meta": {
"site": "news",
"source": "npr"
},
"link": "/radio/program/morning-edition"
},
"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
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