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Word: bille (lookup in dictionary) (lookup stats)
Dates: during 2000-2009
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Tucked deep inside the Senate health reform bill - beginning on page 1,926 - is a plan for a new federal insurance program. Average premiums could be as high as $180 per month and could be automatically deducted from the paychecks of some American workers. The nonpartisan Congressional Budget Office (CBO) predicts this new program would "add to budget deficits ... by amounts on the order of tens of billions of dollars." This is not, however, the so-called public option that is the focus of much heated debate on Capitol Hill. It's an entirely different Democratic plan...

Author: /time Magazine | Title: Should Long-Term-Care Insurance Be Part of Health Reform? | 12/8/2009 | See Source »

...prevent people from purchasing long-term-care coverage when they are already in need, the CLASS Act requires that enrollees be employed and pay into the system for five years before becoming eligible to collect benefits. But because the CBO evaluates the costs of legislation - like the Senate reform bill - based on 10-year periods, the CLASS Act - which would begin collecting premiums in 2011 but wouldn't begin payouts until 2016 - appears to generate $72.5 billion in savings between 2010 and 2019. On paper, these savings are used to offset spending in the bill, which even CLASS Act supporters...

Author: /time Magazine | Title: Should Long-Term-Care Insurance Be Part of Health Reform? | 12/8/2009 | See Source »

...term, but that's only because of the peculiar way the deficit is calculated. Premiums collected would be invested in federal securities, and when the interest earned is transferred back to the CLASS Act trust fund, the transaction would be recorded as an increase in the deficit. The Senate bill also requires that the CLASS Act trust fund be solvent over a 75-year period, and the bill would give the secretary of Health and Human Services power to raise premiums and reduce benefits to keep it afloat. (See the top 10 medical breakthroughs...

Author: /time Magazine | Title: Should Long-Term-Care Insurance Be Part of Health Reform? | 12/8/2009 | See Source »

Still, Republicans are not the only ones protesting the CLASS Act on the grounds that it won't work financially. In October, seven Democrats wrote to Senate majority leader Harry Reid urging him to exclude the CLASS Act - already included in the passed House health reform bill - from the Senate's legislation, saying they had "grave concerns that [the CLASS Act would] create a new federal entitlement program with large, long-term spending increases that far exceed revenues." The chief actuary for the federal Centers for Medicare and Medicaid Services wrote that the CLASS Act provisions in the House bill...

Author: /time Magazine | Title: Should Long-Term-Care Insurance Be Part of Health Reform? | 12/8/2009 | See Source »

These are damning statements, but here again, the devil is in the details. The CLASS Act in Reid's Senate bill is considerably stronger in fiscal terms, according to the American Academy of Actuaries (AAA), than the much criticized act as outlined in the House and HELP committee bills. "There have been quite a few changes in the right direction," says Steven Schoonveld, an actuary who wrote the original critical AAA report on the CLASS Act in the HELP bill...

Author: /time Magazine | Title: Should Long-Term-Care Insurance Be Part of Health Reform? | 12/8/2009 | See Source »

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