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Do doctors have any impact in health insurance policy making?

In the USA, yes, but only indirectly. They can resist a policy about coverage or reimbursement to the point that the insurer cannot enforce the policy in some way.For example, in the 1990s, health insurer HMSA (BCBS-Hawaii) changed the codes that they would pay for office visits. By fiat, they announced they would henceforth pay a new patient visit at $60 and an established patient visit at $40 regardless of what code or level of service was reported. This would have changed all actuarial norms and statistics over time with bad statistical data. But the doctors would have suffered the consequence of 2 codes, two payment levels regardless of risk, overheads, cognition, or work performed.If all the Hawaiian physicians would have individually rejected and refused to see patients of HMSA that would have likely impacted policy making. Unfortunately, HMSA holds the keys to an unusually high percentage of market share outside the military and Medicare and Medicaid. If the doctors had revolted, it would have been a “cut your nose to spite your face” gesture, at best.In another instance in the 1990s, another HMO only permitted drugs under a certain average wholesale price point to be prescribed/covered. The max was extremely low. This was an attempt to cause doctors to only order those drugs — drugs supplied by a pharmacy benefit manager that were not only “cheaply priced” but were also eligible for hefty rebates (kickbacks) when there was a threshhold purchase amount of those drugs by plan members. The doctors continued to prescribe what was right for their patients, which meant sometimes ordering drugs not on the list, which meant patients had to 100% pay out of pocket for Cipro, Augmentin, and other drugs. There were no exceptions if the drugs on the formulary were not appropriate or the patient was allergic to them. The policy had to be revised soon thereafter.These days, given the protections built within the ACA, it is much harder to declare, by fiat, a new policy that shorts policyholders out of coverage. That doesn’t mean that doctors can’t refuse or object to a policy that isn’t good for their patients, but the insurers bet on the fact that the doctors don’t have the bandwidth to object, see patients, file claims, appeal wrongful denials, attend CME, have a family, see patients on rounds, answer calls and do their charting. Currently, doctors face 28% of revenues as the cost to collect and 14% of most commercial claims are wrongfully denied and 75% of most Medicare Advantage claims are wrongfully denied, so all the appeals that must be authored, calls, time on hold, causes them to not have adequate bandwidth to fight insurer policies as might otherwise be necessary to impact anything. The poor buggers. Nobody told them it was what they were signing up for when they applied to Medical School. I bet some would rather sell mops door to door.

How do I apply for Quest Health insurance in Hawaii?

You can apply in three ways, from the online official website, by phone and by letter.Here is the information from the Hawaii Med Quest website:WARNING, THIS IS LONG!!! Med-QUESTMED-QUEST DIVISION (MQD): HEALTH INSURANCE & LONG-TERM CARE FOR LOW-INCOME ADULTS AND FAMILIESThe State of Hawaii Med-QUEST Division (MQD) provides eligible low-income adults and children access to health and medical coverage through managed care plans. The QUEST program is designed to provide Quality care, Universal access, Efficient utilization, Stabilizing costs, and to Transform the way health care is provided to recipients.TO VISIT THE FULL Med-QUEST WEBSITE CLICK HEREApplications for Health Care Coverage are accepted:On-line at www.mybenefits.hawaii.govOver the phone at 1-877-628-5076By mail delivered to Med-QUEST Division Eligibility Offices [/box]Updated Notice – Services for children under 21, including autism servicesFee-For-Service – Long Term Care2015 Hawaii Med-QUEST Health Plans2020 Hawaii Federal Poverty Level (FPL) GuidelinesResources for ProvidersSpecial Enrollment Periods2015 Annual Plan Change Deadline Extended to October 30, 2015MQD Accomplishments 2010-2014Grievance Hotline Call 692-8094. Leave a message along with your name and contact phone number. A staff person from our Med-QUEST Division will call you back within 24 hours or the next business day.QUEST INTEGRATION PROGRAMThe Department of Human Services Med-QUEST Division (MQD) has launched, QUEST Integration, a more patient-centric Medicaid program to better serve clients. QUEST Integration effectively combines and replaces the QUEST and QUEST Expanded Access (QExA) programs.The benefits of QUEST Integration include more health plan choices for aged, blind or disabled individuals, and a greater ability for a beneficiary to remain with the same health plan upon turning 65 or developing a disability. Additionally, eligible beneficiaries will gain expanded access to home and community-based services to prevent decline to institutional level of care. QUEST Integration also reduces administrative burden by creating a single managed care program.Step 1: Learn About Your ChoicesChoosing a health plan is important. You’ll get all your health care services from a single health plan. The health plan can help you find doctors, hospitals, and pharmacies.When you’re choosing a health plan, it’s a good idea to see if you can:Keep seeing your current doctors.Go to the hospital, care facility, or pharmacy you prefer.Health Care Provider NetworkThe health plans participating in QUEST Integration are AlohaCare, Hawaii Medical Service Association (HMSA), Kaiser Foundation Health Plan (Oahu & Maui only), ‘Ohana Health Plan and UnitedHealthcare Community Plan. (See below for contact information). If there’s a specific provider you want to see, visit the QUEST Integration health plans’ websites, or call to ask if the provider is in their network.If your current provider doesn’t accept QUEST Integration (Medicaid) health insurance, call your health plan to help you find another doctor or provider.Health PlansPhoneWebsiteAlohaCare1-877-973-0712AlohaCare - HomeHMSA1-800-440-0640Hawaii Medical Service AssociationKaiser Permanente1-800-651-2237Home Page | KP in Hawaii‘Ohana Health Plan1-888-846-4262http://ohanahealthplan.comUnited Healthcare Community Plan1-888-980-8728HomeStep 2: Choose a Health PlanWhen you become eligible for Medicaid, the Department of Human Services assigns you to a health plan right away. You can stay with the health plan that Med-QUEST assigned to you or you can choose a different health plan.If you stay with your assigned health plan, you don’t have to do anything.If you choose a different health plan, you must:Tell Med-QUEST Enrollment Services Section of your new choice within fifteen days of receiving a choice notice from them.Your new health plan will start on the first day of the following month. Until then, you’ll stay with the health plan you were assigned.If you stay with your assigned health plan or choose a different health plan, you can change plans once within 60 days of the day you are enrolled in QUEST Integration. Once the 60-day period ends, you can change your health plan only during open enrollment.How many health plans can I choose from?Your five choices for a QUEST Integration health plan are:Aloha CareHMSAKaiser Permanente (Oahu and Maui only)‘Ohana Health PlanUnited Healthcare Community PlanGET STARTED WITH YOUR NEW PLANAfter you choose a QUEST Integration health plan, your plan will mail you:ID cards for each family member.Instructions to choose a primary care provider (PCP).Health plan responsibilities, services, and benefits handbook with information on:Interpretation and translation services.Prior approval for care and other services.Services the plan doesn’t cover because of moral or religious reasons.The grievance and appeal process.Make sure you carry your QUEST Integration health plan ID card and Medicaid ID card at all times. You’ll need your ID cards to get health care services.Getting care before you receive your health plan member ID cardYou’ll get a notice in the mail that tells you about the health plan you’re enrolled in. Take the notice with you to your doctor or other service provider to get medical care. Once you get your health plan ID card, you can use your card to get services.Choosing a primary care provider (PCP)Your health plan will mail you a welcome packet. Inside the packet you’ll find a form asking you to choose a primary care provider (PCP). Your PCP will see you for regular checkups or when you’re sick. When you need a specialist or other medical services, your PCP will arrange it for you. If you need help finding a PCP or specialist, ask your health plan for help.If you received services before you got the Med-QUEST enrollment notification, tell your PCP or other service provider. Your health plan may cover some of these services.You’ll have 15 days to choose your PCP. If you don’t let your health plan know of your choice within that time, they’ll assign you a PCP. You can change your PCP at any time.LEARN ABOUT YOUR QUEST INTEGRATION BENEFITSPrimary & Acute Care ServicesDialysisMedical transportation servicesDurable medical equipment and medical supplies with prosthetics and orthoticsOutpatient hospital servicesEmergency and post stabilization servicesPhysician servicesFamily planning servicesPregnancy-related servicesFluoride varnish for childrenPrescription drugsHabilitation servicesPreventive servicesHome health servicesRadiology, laboratory, and other diagnostic servicesHospice servicesRehabilitation servicesInpatient hospital medical and surgical servicesSmoking cessation servicesInpatient hospital maternity and newborn care servicesUrgent care servicesMedical services related to dental needsVision and hearing servicesBehavioral Health ServicesAcute inpatient hospital for behavioral health servicesServices from qualified professionals like psychiatrists, psychologists, counselors, social workers, registered nurses, and othersAmbulatory mental health servicesSubstance abuse treatment programsPrescribed drugs including medication management and patient counselingMethadone treatment services, which include the provision of methadone or a suitable alternative (e.g., LAAM)Psychiatric or psychological evaluationLong Term Services & Support (LTSS)Nursing facilityHome- and community-based services including:ChoreAdult day healthPersonal careAdult day carePersonal emergency response systemSkilled nursingResidential care like Community Care Foster Family Home or Expanded Adult Residential Care HomeDoes QUEST Integration cover medical and bills I already have?If you utilized medical services occurring a maximum of 10 calendar days before the date we receive your application, those services will be covered if a medical provider provided the medical service. Make sure that you check off the box asking about outstanding medical bills when you submit your application.After I choose my medical plan, will I have to stay in that plan forever?No. You may change your medical plan once a year during the “Annual Plan Change Period,” with changes effective January 1. Except during this annual plan change period and some exceptions, you must stay in your medical plan once you have chosen them.Are you under 21 years of age? Get free physical exams!The Early Periodic Screening, Diagnostic, and Treatment (EPSDT) program lets children and young adults under 21 get free:Complete medical and dental exams;Developmental, autism, and lead screening;Hearing, vision, and laboratory tests; andImmunizations and tuberculosis skin tests.The notice here will provides more information about other covered services that you may take advantage of, including autism services. You’ll also get help setting up appointments and arranging transportation. Call your health plan for more information.Urgent care centersIf you can’t get an appointment with your PCP, you can go to an urgent care center. Urgent care centers can treat you for an illness or injury that requires immediate care, but isn’t serious enough to visit an emergency room. You don’t need an appointment to be treated at an urgent care center.After-hours care nurse lineEach health plan has its own after-hours care nurse line, where you can get medical advice and guidance. The lines operate 24 hours a day, seven days a week.Call your plan’s nurse line if you have questions about a medical condition or you’re not sure if you should visit an emergency room.Traveling off-island or out of stateYour QUEST Integration health plan covers medically necessary off-island and out-of-state emergency services and post-stabilization services. For non-emergency off-island, out-of-state, and out of network services, you’ll need prior authorization. Medical services in foreign countries are not covered.Other Health CoverageYou must notify MQD is you have additional health insurance.SERVICES THAT AREN’T COVERED BY YOUR HEALTH PLANCall 1-800-316-8005 toll-free for more information about these services.ServiceWho provides it?DentalMedicaid Fee-For-ServiceSchool healthDepartment of Education (DOE)Zero to Three programDepartment of Health (DOH)Behavioral health services for adults enrollees with serious mental illness (SMI)Adult Mental Health Division (AMHD) in DOH or Community Care Services (CCS)Behavioral health services for children under 21 years old with serious emotional disturbances (SEBD)Child and Adolescent Mental Health Division (CAMHD) in DOHServices for developmental or intellectual disabilitiesDevelopmental Disabilities Division (DDD) in DOHAbout dental services and benefitsThe Medicaid Fee-For-Service program provides dental services. This means you must get dental care from a dentist who sees Medicaid patients.Call Community Case Management Corp (CCMC) to find a dentist who accepts Medicaid.Oahu: 792-1070Neighbor Islands: 1-888-792-1070 toll-freeIf you’re under age 21, you get:Diagnostic and preventive services once every six months.Non-emergency care that includes:Endodontic therapyPeriodontic therapyResotrationsProsthodontic servicesOral surgeryEmergency servicesIf you’re 21 or older, you get:Emergency services that include:Eliminating dental painEliminating dental infectionTreating acute injuries to the teeth and supporting structuresWHO TO CALL FOR WHICH SERVICESCall your health plan if you have:Problems with a doctor or other provider.Problems accessing health care services.A disagreement about your health plan.A grievance or appeal to file.Call Med-QUEST Enrollment Services Section at 1-800-316-8005 toll-free if you have health plan enrollment and eligibility questions. TTY users, call 1-800-603-1201 toll-free.Member complaints and grievancesAll health plans have a member grievance and appeals process to help address any problems. If you’re concerned about your medical care or services, contact your health plan’s customer service department. The phone number is printed on the back of your membership card.If you can’t work things out with your health plan, you can contact the state-designated QUEST Integration Ombudsman in your county. The ombudsman can help if you have problems with your health plan or don’t agree with the health plan.Hawaii: 333-3053Kauai: 240-0485Maui and Lanai: 270-1536Molokai: 660-0063Oahu: 791-3467Online: HilopaʻaIMPORTANT QUEST INTEGRATION CONTACT INFORMATIONHave health plan enrollment questions?Call Med-QUEST Enrollment Services Section at 1-800-316-8005 toll-free, 7:45 a.m. to 4:30 p.m., Monday-Friday, except state holidays. TTY users, call 1-800-603-1201 toll-free.Provider Resources: address: Med-QUEST, P.O. Box 700190, Kapolei, HI 96709-0190Have changes to report or health plan eligibility questions?Call the Med-QUEST Division Eligibility Offices to report all changes within 10 days of learning of them. If you don’t report changes, it may affect your eligibility for medical assistance. Changes include:IncomeAddressLiving arrangementMarriage or divorcePregnancyBirthDeathHealth insurance coverageGetting or changing a jobInjuries from accidentsReceipt or sale of any assetReceipt of a Social Security numberYou must also report when you enter a hospital or public institution or move out of the state of Hawaii.Oahu PHONE FAXApplications 587-3521 587-3543Ongoing 587-3540 587-3543Kapolei Unit 692-7364 692-7379Hawaii IslandHilo (East Hawaii) 933-0339 933-0344Kona (West Hawaii) 327-4970 327-4975Maui 243-5780 243-5788Kauai 241-3575 241-3583Molokai 553-1758 553-3833Lanai 565-7102 565-6460After I choose my medical plan, will I have to stay in that plan forever?No. You may change your medical plan once a year during the “Annual Plan Change Period,” with changes effective January 1. Except during this annual plan change period and some exceptions, you must stay in your medical plan once you have chosen them.How do I know when to contact the State and when to contact my plan? You should contact the State if:you have a question about eligibilityyou get a job or change jobsyour income, assets or address changeyou have a change in your family, such as a birth, a death, a divorce, a marriage or someone moves into or out of your homeYou should contact your plan if:you have questions about how to get the care you needyou lose or misplace your medical cardyou need special assistanceI hope this is the information you are looking for.Aloha from suburban Makawao, Maui Hawaii

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