MVP argues for 6.3 percent increase in insurance prices

MVP Health Care is asking state regulators to let it increase how much it charges Vermont Health Connect customers by an average of 6.3 percent next year.

Kaili Kuiper spoke on behalf of Vermont Legal Aid’s Office of the Health Care Advocate, which advocates for the public interest in these cases. She argued that the board should enforce the 3.7 percent increase its actuaries at Lewis and Ellis in Burlington recommended.

In her opening remarks, Kuiper referenced public comments from Wednesday and said health care costs are so high that they are “negatively impacting individuals, families, communities and small businesses in Vermont.”

“They described how health care costs are impeding their access to care, taking a huge chunk out of their budgets, and they’re asking what they will have to give up to afford future rate increases,” Kuiper said.

“Vermonters are living under a federal mandate that requires them to buy health insurance, yet they can’t simply shop around for a better deal because as individuals and small businesses, their only option is to purchase health insurance on the Vermont health exchange,” she said. ...

Kuiper countered that MVP must meet a burden of proof in order to raise prices 6.3 percent and said the insurer hasn’t met it. She said the Lewis and Ellis actuaries use a better methodology and the result of the methodology is more affordable for Vermonters.

A Joint Statement from the National Legal Aid & Defender Association (NLADA) and the Shriver Center

Members of the legal aid and public defender community were horrified and outraged by the killings of Alton Sterling and Philando Castile. Two more Black lives taken by those who ostensibly serve and protect. We must find a better path toward justice for our society and for people of color. A first step for our community is to state firmly that we stand in solidarity with the Black community and against the racial inequality that still plagues our nation.

We affirm what should be undeniable—Black Lives Matter. The recurring violence against Black people is but an extreme manifestation of our society’s persistent racism, which denies the Black community, and other communities of color, the right and opportunity to be safe and healthy, to work and live with dignity, and to flourish.

We live in a country where those tasked with protecting our communities too often possess unfounded biases, whether implicit or explicit, that Black people pose a constant danger. This has led to situations where having a broken taillight or selling cigarettes or CDs is punishable by death; where reaching for a wallet is an act of aggression warranting a lethal response.

Our country has always been plagued by these beliefs—that Black communities and other communities of color are criminal and untrustworthy. This is not limited to one part of the country; it is a systemic national problem stretching from New York to Minnesota, California to Florida, and beyond. Our solutions must also be national and systemic. We must address the significant role that race plays in policing practices. Members of the legal aid and public defender community must form genuine and sustainable, community-led partnerships aimed at bridging the racial divide in our country.

Honoring this commitment will take hard work and honest self-criticism. “We’ve always done it this way” is not enough. We commit to a hard look at our work and to ensuring our efforts are driven by the experiences of people of color and an explicit commitment to combating racism. We commit to a hard look at ourselves and our organizations to consciously challenge our own biases and ways we unintentionally contribute to systems of racial disadvantage. We commit to building enduring alliances with communities who struggle against racism every day. Our work must support community leadership.

As we honor the pain and suffering of the communities that have lost loved ones, including the five officers killed in Dallas, we must be guided by justice and love. For us, that path starts with a commitment to be steadfast allies in the pursuit of racial justice. We must work together with all stakeholders, including law enforcement, to develop solutions to these very pressing problems.

As an immediate next step, we will work with our partners to develop an Action Plan for Racial Justice that can guide our organizations in effectuating our commitment.

State grant funds more legal services for Vermont seniors

Vermont received an  Administration for Community Living grant that will provide $178,500 each year for three years to expand legal services for at-risk older adults. The Model Approaches to Statewide Legal Assistance Systems demonstration grant is a cooperative grant between the Vermont Agency of Human Services’ Department of Disabilities, Aging and Independent Living (DAIL) and Vermont Legal Aid. The grants are designed to help states respond effectively to legal issues affecting seniors with significant social or economic needs.

In Vermont, the funding will be used to develop services specifically for seniors at the statewide legal hotline, Vermont Law Help, as well as to provide legal training, to do outreach, and to build and strengthen partnerships throughout the state with the court system, Adult Protective Services, the Office of Public Guardian, the Area Agencies on Aging, and others.

“As the number of older adults living in Vermont continues to grow, more and more seniors are calling to find help,” said Michael Benvenuto, Elder Law Project Director at Vermont Legal Aid. “Housing, health care, consumer, and financial issues along with elder abuse are critical areas of need that, if unresolved, can threaten the well-being of older adults as well as their ability to stay in their homes and communities. This grant will allow Vermont Legal Aid to expand our services and develop an integrated system for helping seniors statewide.”

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Report recommends lower price increase for MVP Health Care

...MVP requested an 8.8 percent increase in what it charges customers on Vermont Health Connect starting Jan. 1. Blue Cross Blue Shield of Vermont requested an 8.18 percent increase.

The board’s actuaries analyzed the requests and came out with an opinion Monday. The actuaries said MVP should be able to raise its prices only 3.7 percent and that Blue Cross’s prices should go up 8.24 percent instead of 8.18 percent. ...

Hearings on the insurance prices for Vermont Health Connect customers will be held in Montpelier at 9 a.m. July 20 for Blue Cross and 9 a.m. July 21 for MVP at the Green Mountain Care Board offices in City Center. Health care advocates at Vermont Legal Aid will testify on behalf of consumers.

VITL wants to give doctors easier access to medical records

Officials with the Vermont Information Technology Leaders (VITL) are talking with stakeholders about a policy change that would give doctors automatic access to patient records unless a patient objects.

The company’s signature program, VITL Access, gives doctors and other clinicians information about patients. Under current policy, patients must give doctors permission to view their records. ...

VITL is required to discuss the policy change with the Office of the Health Care Advocate at Vermont Legal Aid, and the American Civil Liberties Union of Vermont.

Allen Gilbert, the outgoing executive director of the ACLU of Vermont, said the organization has always favored an “opt-in” policy for VITL’s systems, because patients will be more likely to know what they’re agreeing to that way.

“We worry about the way the VITL system works even when someone does give consent because there’s no PIN number or code that’s needed to access someone’s records,” Gilbert said, comparing the system to an automated teller machine.

The Office of the Health Care Advocate shares the ACLU's concerns and agrees that Vermonters should be given the chance to choose to allow their records to be shared by "opting in," rather than having their records shared automatically unless they "opt out."

Insurer lawsuit accuses Green Mountain Care Board of overreach

[MVP] health insurance company is suing the Green Mountain Care Board for telling the company it could not raise prices on one plan by an average of 27.4 percent and questioning whether the company can afford to operate the plan in Vermont. ...

Kaili Kuiper, from Vermont Legal Aid’s Office of the Health Care Advocate, also argued on behalf of the board. She said her office usually advocates for consumers to have as much choice as possible, but health insurance is complicated.

“(In health insurance) consumers are forced to compare one plan to another and decide which plan is in their best interest,” Kuiper said. “I think it’s wonderful that Vermont has the Green Mountain Care Board to help Vermonters weigh those issues.” ...

“The actuaries don’t look at consumer interest,” Kuiper said. “When they say the rate is not excessive, they are discussing the cost of the insurer and whether it’s excessive only to the insurer.”

Town: No violation on homeless shelter

After a review, town officials say Morristown did nothing wrong in denying the Patchworks Place committee’s proposal for a homeless shelter. 

On April 22, Morristown received a warning from Vermont Legal Aid — in considering a homeless shelter, keep in mind the federal Fair Housing Amendments Act. ...

The Fair Housing Act prohibits discrimination against individuals on the basis of race, color, religion, sex, national origin, familial status and disability. ...

In an interview with the News & Citizen, the attorney who sent the letter to Morristown — Marilyn Mahusky, who works with claims made to the Housing Discrimination Law Project — said that if nothing listed in the letter is allowed in the industrial zone, “denying the shelter may have been permissible. However, it still concerns me that some community members are opposed to a shelter based on who could be using it.”

During a public forum March 1, some residents made assumptions that people who are homeless or housed in shelters have issues with mental health or substance abuse, and so should not be welcomed in Morrisville. ...

“It sounded like the committee may have been pressured by the landlord to look for a different site, and that concerns me too,” Mahusky said.

Morristown zoning director Todd Thomas — who has been fighting with the state to gain control over dilapidated buildings — suggested that Mahusky was pressured by the state Agency of Commerce and Community Development to send the letter.

Mahusky denied that, saying the homeless shelter issues were brought to her attention by multiple people at the state community level who were concerned after reading things in the news and in public documents about the homeless shelter.

“No single person brought this issue to my attention,” she said. “And I basically sent the letter just to make sure that the town knows about its obligations to follow the fair housing act’s rules in siting the shelter. We were not pressured by the state, and I stand by my letter. I also forwarded my letter to some of the concerned departments.”

Medicare Rules for Home Health Care
Medicare home health coverage can be a crucial benefit for seniors who have just been discharged from the hospital or who struggle with a chronic condition and have difficulty leaving home. But taking advantage of this benefit can be a real challenge. ...

In some cases, patients’ services are cut off because their condition is not improving. But the rules have never demanded that a patient's condition improve, says Diane Omdahl, president of 65 Incorporated, a firm that helps seniors navigate Medicare. In 2011, Medicare beneficiaries filed a nationwide class action lawsuit claiming that providers were inappropriately applying an improvement standard and the 2013 settlement of that case clarified that patients should be able to get care to maintain their condition or even slow their decline.

Yet the misperception persists, says Michael Benvenuto, director of the elder-law project at Vermont Legal Aid, which represented the plaintiffs in the case.

Low-Income Advocate Chris Curtis Follows in His Father's Footsteps

On the wall of his Vermont Legal Aid office in Montpelier are two photos of his adoptive father. The late David W. Curtis — lawyer, one-term state legislator, defender general and Vermont Democratic Party chair — was widely revered as a champion of the disadvantaged. He died in 1999 at age 61 of complications from AIDS. The Vermont Democratic Party will honor him Friday night at the 17th annual David W. Curtis Leadership Awards dinner.

Chris Curtis tries to honor his father's legacy every day by carrying on his work. …

"My clients are very, very smart, very resilient. The system is often stacked up against them," Curtis said. "It's my job to help them tell their story."

Hate Crime Victim Fatuma Bulle Advocates for Refugee Women and Families

... But it's possible Muslim women wouldn't even know when they're being victimized, according to Rachel Batterson, director of Vermont Legal Aid's Housing Discrimination Law Project. "Most people don't come out to say, 'I don't want to rent to you because you're Muslim.' People are educated enough to know they're not supposed to say that, even if they're thinking it," Batterson said, noting that Muslim women who wear the head scarf, are black and have a foreign accent are among the most vulnerable.