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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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Rider zdravstveno osiguranje kako bi vidjeli moguće pješačiti By Rachel Stengel Trošak University-pod uvjetom zdravstvenog osiguranja mogu utrostručiti početkom iduće godine, ako Vrhovni sud SAD smatra da je individualni mandat zahtjev predsjednika Obame plana zdravstvene zaštite ustavnog. Rider nudi zdravstvenog osiguranja plan za oko 1.500 učenika po stopi od 275 dolara godišnje. Ona pokriva do 25.000 dolara u najvećoj prednosti pokrivenost, ali studenti mogu izabrati za kupnju do 50.000 dolara u pokrivenosti. Plan je u skladu s New Jersey državnog zakona, koji zahtijeva da svi redoviti studenti pohađaju privatne ili javne ustanove visokog obrazovanja za održavanje zdravstvenog osiguranja s osnovnim bolničkih pogodnosti. Pod bolesnika zaštitu i pristupačne Care Zakona, Rider će biti potreban za pokrivanje do 100.000 dolara, čime se povećava troškove Sveučilišne pod uvjetom zdravstvenog osiguranja, prema Dean studenata Anthony Campbell. "Procjene smo uzimajući u ovom trenutku za to osiguranje su negdje između 855 $ i 955 $, ovisno o osobnim udjelom, ono što mi pokrivaju i kako smo ga pokriti", rekao je Campbell. Povoljan Care Act, koji je potpisao zakon na Listopad 23, 2010, osigurava da studenti zdravstvene planovi ne manje od 100.000 $ u godišnjoj ograničenja na bitne prednosti pokrivanja početku prije 23. rujna 2012, prema US Department of zdravstvo i ljudska Usluge (HHS). Osnovni prednosti uključuju različite medicinske usluge i predmete kao što su hitne zaštite, laboratorijskih ispitivanja i hospitalizacija usluge. Godišnja ograničenja bitnih prednosti će se popeti na 500.000 dolara za politike godina počevši od 23. rujna 2012, ali prije 1. siječnja 2014. Tu neće biti nikakvih bitnih ograničenja godišnja naknada što su od 1. siječnja 2014, prema HealthCare.gov i savezna vlada web upravlja HHS. Campbell je objasnio da je iznos od pokrivenost raste tako da će cijena sveučilišta pod uvjetom zdravstvenog osiguranja. Sa 500.000 dolara koristi pokrivanja potreba za 2013, cijena University-pod uvjetom zdravstvenog osiguranja procjenjuje se da će koštati između $ 1.500 i $ 1.800. U 2014, tu neće biti nikakvih bitnih ograničenja godišnje naknade, dakle, osiguranja davatelja usluga će biti dužan ponuditi neograničen korist pokrivenost. Procjene za 2014 izvoditi kao visok kao $ 2500 - $ 3000. "To su projekcije da nisam siguran, ali znamo da će biti skuplji za studente", rekao je Campbell. Junior psihologija glavni Juan Lorenzo ima na Sveučilištu zdravstvenog osiguranja plan. On je rekao da cijena struje plana je njegova najveća vrijednost. "Budimo realni - [osiguranje] je 275 dolara godišnje", rekao je Lorenzo. "Vi možete učiniti da je u mjesec dana na posao tako da [cijena] sad je dobar, jer je jeftino. Ako [cijena] povećava, da ne bi bilo tako dobro, jer ne bi se naći novac negdje, kroz neku vrstu kredita. Lynn Eiding, direktor studentskih zdravstvu, rekao je u poruci e-pošte da vjeruje Pristupačne Njega Zakon ima pozitivne namjere. "Vjerujem da sadašnji zdravstveni reformske zakone koje propisuje predsjednik Barack Obama pokrenut s namjerom poboljšanja zdravstvene pokrivenost i pristup skrbi za full-time studente", rekla je ona. "Troškovi osiguranja postupno će se povećati tijekom iduće tri godine, ali će uključivati veće maksimalne granice pokrivenost." Rider je u procesu podnošenja zahtjeva za prijedlog (RFP) s različitim pružateljima zdravstvene skrbi i brokera pronaći osiguranje usluga. "Mi smo u potrazi za najbolju cijenu za najbolju pokrivenost", rekao je Campbell. "Sve je to zanimljivo jer možete dobiti nižu cijenu ako imate veći deductibles. Za malo više u cijenu, možete imati niže deductibles. Sve od tih stvari se prosuđuje se i gledamo na ono što je najbolji plan za studente ". Vrhovni sud je raspravu da li ili ne to je ustavni mandat da zdravstveno osiguranje za sve Amerikance. Pristupačne Njega Zakon zahtijeva sve građane za održavanje zdravstvenog osiguranja, a ako ne, oni moraju platiti kaznu. Ovisno o odluci Vrhovnog suda, Sveučilište će možda trebati mijenjati detalje svog plana. "Ako [Vrhovni sud] overturns mandat, da ne čini ništa za New Jersey New Jersey, jer još uvijek mandati [] za zdravstveno osiguranje studenata, ali kako će to rješenje utjecati na ostatak programa osiguranja?", Rekao je Campbell. "Hoće li se ukinuti početak njega? Hoće li se ukinuti cijeli zakon? Hoće li i dalje ići naprijed? To su sve nepoznanice koje imamo baviti. Vrhovnog suda vladajuća Procjenjuje se da se isporučiti u lipnju i tako je Sveučilište odluku. Za sada, Rider će plan za povećanje troškova za svoje sveučilišta pod uvjetom zdravstvene zaštite. "Moramo pretpostaviti da se plan zdravstvene zaštite će ići u akciju kao što je planirano", rekao je Campbell. "Dakle, moramo imati plan koji je u skladu sa trenutnom zakonu."