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Rider health insurance to see possible hike By Rachel Stengel The cost of the University-provided health insurance may triple starting next year if the U.S. Supreme Court finds the individual mandate requirement of President Obama’s health care plan constitutional. Rider offers a health insurance plan to approximately 1,500 students at a rate of $275 per year. It covers up to $25,000 in maximum benefits coverage, but students can choose to purchase up to $50,000 in coverage. The plan is in accordance with New Jersey state law, which requires all full-time students attending private or public institutions of higher education to maintain health insurance with basic hospital benefits. Under the Patient Protection and Affordable Care Act, Rider would be required to cover up to $100,000, thereby increasing the cost of the University-provided health insurance, according to Dean of Students Anthony Campbell. “The estimates we’re getting in right now for this insurance are anywhere between $855 and $955, depending on deductibles, what we cover and how we cover it,” Campbell said. The Affordable Care Act, which was signed into law on October 23, 2010, ensures that student health plans do not have less than $100,000 in annual limits on essential benefits coverage beginning before September 23, 2012, according to the U.S. Department of Health and Human Services (HHS). Essential benefits include various medical services and items such as emergency care, laboratory tests and hospitalization services. The annual limits on essential benefits will rise to $500,000 for policy years beginning on September 23, 2012, but before January 1, 2014. There will be no annual limits on essential benefits as of January 1, 2014, according to HealthCare.gov, a federal government website managed by HHS. Campbell explained that as the amount of coverage increases so will the price of the university-provided health insurance. With the $500,000 benefit coverage requirement for 2013, the price of the University-provided health insurance is estimated to cost between $1,500 and $1,800. In 2014, there will be no annual limits on essential benefits; therefore, insurance providers will be required to offer unlimited benefit coverage. The estimates for 2014 run as high as $2,500-$3,000. “These are projections that I’m not sure about, but we know it’s going to be more costly to students,” Campbell said. Junior psychology major Juan Lorenzo has the University’s health insurance plan. He said the price of the current plan is its biggest asset. “Let’s be realistic — [the insurance] is $275 a year,” Lorenzo said. “You can make that in a month at a job so [the price] now is good because it’s cheap. If [the price] increases, that wouldn’t be so good because you’d have to find the money somewhere, through some kind of loan.” Lynn Eiding, director of Student Health Services, said in an email that she believes the Affordable Care Act has positive intentions. “I believe that the current health care reform laws mandated by President Obama were instituted with the intention of improving health coverage and access to care for full-time college students,” she said. “The cost of the insurance will gradually increase over the next three years, but will include greater maximum limits on coverage.” Rider is in the process of submitting a request for proposal (RFP) with various health care providers and brokers to find an insurance provider. “We’re looking for the best price for the best coverage,” Campbell said. “All of that is interesting because you can get a lower price if you have higher deductibles. For a little more in price, you can have lower deductibles. All of those things are being weighed out and we’re looking at what’s the best plan for the students.” The Supreme Court has been debating whether or not it is constitutional to mandate health insurance for all Americans. The Affordable Care Act requires all citizens to maintain health insurance and if they do not, they must pay a penalty. Depending upon the Supreme Court’s decision, the University may need to alter the details of its plan. “If [the Supreme Court] overturns the mandate, that doesn’t do anything for New Jersey because New Jersey still mandates [health insurance] for college students, but how will that ruling affect the rest of the insurance program?” Campbell said. “Will they repeal the start of it? Will they repeal the whole law? Will they continue to go forward? Those are all the unknowns that we have to deal with.” The Supreme Court’s ruling is estimated to be delivered in June and so is the University’s decision. For now, Rider will plan for an increase in cost for its university-provided health care. “We have to assume that the health care plan will go into action as planned,” Campbell said. “So we have to have a plan that complies with the current law.”
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Árachais sláinte marcach a fheiceáil hike is féidir Ag Rachel Stengel Féadfaidh an costas an árachais sláinte ar fáil triple-Ollscoil ag tosú an bhliain seo chugainn má chinneann an Chúirt Uachtarach na Stát Aontaithe an ceanglas a shainordú aonair plean Uachtarán Obama le cúram sláinte bunreachtúil. Rider cuireann plean árachais sláinte agus thart ar 1,500 mac léinn ag ráta de $ 275 in aghaidh na bliana. Clúdaíonn sé suas le 25,000 $ i clúdach buntáistí is mó, ach is féidir le mic léinn a roghnú a cheannach suas le 50,000 $ i gclúdach. Is é an plean i gcomhréir leis an dlí New Jersey stáit, a éilíonn ar gach mac léinn lán-aimseartha ag freastal ar institiúidí príobháideacha poiblí nó ardoideachais a choimeád ar bun árachais sláinte le sochair ospidéal bunúsacha. Faoin Acht um Chosaint Othar agus Acht um Chúram Inacmhainne, a bheadh rothaí a bheith ag teastáil a chlúdach suas go dtí $ 100.000, rud a mhéadaíonn costas an árachais sláinte ar fáil Ollscoil-, de réir Déan na Mac Léinn Anthony Campbell. "Is iad na meastacháin táimid ag dul i gceart anois le haghaidh an árachais in áit ar bith idir $ 855 agus 955 $, ag brath ar deductibles, cad a chlúdach againn agus conas a chlúdach dúinn é," a dúirt Campbell. Cinntíonn an tAcht um Chúram Inacmhainne, a síníodh ina dhlí ar 23 Deireadh Fómhair, 2010, nach bhfuil pleananna sláinte mac léinn a bheith níos lú ná $ 100,000 i teorainneacha bliantúla ar tús clúdach riachtanach buntáistí roimh 23 Meán Fómhair, 2012, i gcomhréir leis an Roinn US Sláinte agus Daonna Seirbhísí (HHS). Cuimsíonn sochair Riachtanach seirbhísí leighis éagsúla agus nithe ar nós cúram éigeandála, tástálacha saotharlainne agus seirbhísí ospidéal. Beidh na teorainneacha bliantúla ar an sochar riachtanach go n-ardóidh $ 500,000 do na blianta polasaí ag tosú ar 23 Meán Fómhair 2012, ach roimh 1 Eanáir, 2014. Ní bheidh aon teorainneacha bliantúla ar an sochar riachtanach mar ar 1 Eanáir, 2014, de réir HealthCare.gov, ar an suíomh gréasáin rialtas cónaidhme bhainistiú ag HHS. Campbell Mhínigh an méid na méaduithe clúdach sin a bheidh an praghas ar an árachais sláinte-ollscoil ar fáil. Leis an riachtanas tairbhe $ 500.000 clúdach le haghaidh 2013, tá an praghas ar an árachais sláinte ar fáil Ollscoil-Meastar go gcosnóidh idir $ 1.500 agus 1.800 $. I 2014, ní bheidh aon teorainneacha bliantúla ar an sochar riachtanach; dá bhrí sin, beidh soláthróirí árachais a bheith ag teastáil a thairiscint clúdach sochar gan teorainn. Na meastacháin do 2014 ar siúl chomh hard le 2,500 $ - $ 3,000. "Tá na réamh-mheastacháin sin níl mé cinnte faoi, ach tá a fhios againn tá sé ag dul a bheith níos costasaí do mhic léinn," a dúirt Campbell. Sóisearach síceolaíocht mór Juan Lorenzo Tá na hOllscoile phlean árachais sláinte. Dúirt sé go bhfuil an praghas ar an bplean atá ann faoi láthair a sócmhainn is mó. "Déanaimis a bheith réalaíoch - [an t-árachas] is $ 275 in aghaidh na bliana," a dúirt Lorenzo. "Is féidir leat a dhéanamh gur i mí ag post mar sin tá [an praghas] anois go maith mar tá sé saor. Más rud é [an praghas] méaduithe, nach mbeadh chomh maith toisc gur mhaith leat a bheith ag teacht ar an airgead áit éigin, trí roinnt de chineál ar iasacht. " Lynn Eiding, stiúrthóir ar Sheirbhísí Sláinte na Mac Léinn, dúirt i ríomhphost go gcreideann sí go bhfuil an Acht um Chúram Inacmhainne intinn dearfach. "Creidim gur tionscnaíodh na dlíthe reatha sláinte athchóiriú cúram atá sainordaithe ag Uachtarán Obama agus é ar intinn feabhas a chur ar chlúdach sláinte agus rochtain ar aire a thabhairt do mhic léinn an choláiste lánaimseartha," a dúirt sí. "Beidh an costas an árachais a mhéadú de réir a chéile thar na trí bliana seo chugainn, ach beidh teorainneacha uasta níos mó ar clúdach san áireamh." Rider é i mbun a chur isteach iarratas ar thogra (RFP) le soláthróirí sláinte éagsúla cúraim agus bróicéirí chun teacht ar an soláthraí árachais. "Táimid ag lorg an praghas is fearr le haghaidh an clúdach is fearr," a dúirt Campbell. "Is léir go suimiúil mar is féidir leat a fháil ar phraghas níos ísle má tá tú deductibles níos airde. Le beagán níos mó i bpraghas, is féidir leat a bheith deductibles níos ísle. Gach ceann de na rudaí atá á mheá amach agus táimid ag féachaint ar cad é an plean is fearr do na scoláirí. " Tá an Chúirt Uachtarach gur díospóireachta cibé acu atá nó nach bhfuil sé bunreachtúil sainordú árachas sláinte do gach Meiriceánaigh. Éilíonn an tAcht um Chúram Inacmhainne ag gach saoránach a choimeád ar bun árachas sláinte agus más rud é nach bhfuil siad, ní mór a íoc siad pionós. Ag brath ar chinneadh na Cúirte Uachtaraí, féadfaidh an Ollscoil is gá a athrú na sonraí dá phlean. "Más rud é [an Chúirt Uachtarach] overturns an sainordú, nach aon ní a dhéanamh le haghaidh New Jersey New Jersey fós mar gheall ar sainorduithe [árachas sláinte] do mhic léinn an choláiste, ach conas a rialú tionchar an chuid eile den chlár árachais?" A dúirt Campbell. An mbeidh "siad aisghairm an tús é? An mbeidh siad aisghairm ar an dlí ar fad? Leanfaidh siad ar aghaidh chun dul ar aghaidh? Tá na gach unknowns atá againn chun déileáil leis. " Tá rialú na Cúirte Uachtaraí measta a bheidh le seachadadh i mí an Mheithimh agus mar sin tá an Ollscoil le cinneadh. Chun anois, beidh rothaí a phleanáil do mhéadú i gcostas dá cúram sláinte ollscoil-ar fáil. "Ní mór dúinn glacadh leis go mbeidh an plean cúraim sláinte a théann i ngníomh mar a bhí beartaithe," a dúirt Campbell. "Mar sin, ní mór dúinn a bheith acu plean a chomhlíonann an dlí atá ann faoi láthair."