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Dates: during 2000-2009
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...main clue was the way the dirt in one part of the excavated site abruptly changed color. Sandwiched between two strips of dark red-orange dirt was an unexpected layer of gray. This, the class concluded, could be none other than evidence for one wall of the Indian College, a school Harvard had established in 1655 for the education and Christianization of Native Americans. The building is believed to have been located perpendicular to the edge of what is now Matthews...
Until Senate Majority Harry Reid decided to scrap a government-run insurance plan in order to get the 60 votes needed to pass health care reform legislation, Sen. Jay Rockefeller was one of the chamber's most ardent public option supporters. Without a public option, the West Virginia Democrat feared, insurers - fattened by billions of dollars in new government subsidies and a new requirement that most Americans purchase insurance - would run rampant, jacking up prices and padding profits and executive salaries. But Rockefeller and several other Democratic senators also had their eye on a different way to keep insurer profit...
...very technical term for this proportion - "medical loss ratio" (MLR) - and critics say the terminology itself illustrates the callousness of the health insurance business. Companies that sell coverage consider revenues that go to pay for medical costs "losses,"; minimizing these losses by dropping sick customers and cherry-picking healthy ones is one way insurers currently stay profitable. But thanks to a provision inserted into the Senate health care bill at the last minute, the federal government may soon require insurers to "lose" 80% of premiums collected in the large group market and 85% in the individual and small group market...
...last-minute changes to the Senate bill made by Reid, the strengthening of the MLR regulations was "the most important thing of all ... It requires insurance companies not to take quite as much off the top of your premiums as they have in the past." MLR regulations are just one of the discrepancies, including the public option and abortion funding, between the House and Senate bills that would have to be reconciled in conference committee before a final piece of legislation could be voted on and sent to President Obama. Rockefeller intends to fight hard in conference to ensure...
...insurers in the individual market spent an average of 74% of premiums on health care, compared with 80% in the small group market and 84% in the large group market; some insurers cited in the final report spent as little as 66% of premiums on actual care. CIGNA, one of the insurance companies cited, says investigators erred in calculating the company's medical loss ratios. Where the report said CIGNA spent 87% of premiums in the individual market on care, the company says it actually lost money in that category of customers, spending 120% of premiums collected on health care...