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    Highlights and updates Delaware exchange overviewHow cheap aciphex canada hard is Delaware fighting to preserve the Affordable Care Act’s provisions?. Compare to other cheap aciphex canada state efforts.Delaware’s exchange is a partnership between the state (Choose Health Delaware) and HHS, with residents enrolling through HealthCare.gov. Delaware is responsible for plan management and consumer assistance while the federal government handles all other functions. As of early 2020, there were 22,497 people with effectuated individual market coverage through Delaware’s exchange.Two health insurance companies offered coverage in the exchange in 2017, but that dropped to just one – Highmark BCBS of Delaware – in 2018, and Highmark continues to be the only insurer offering plans in the state’s exchange in 2020.Highmark already covered more than half of Delaware’s exchange enrollees as of 2017, but nearly 12,000 people with Aetna coverage had to select new plans from Highmark for cheap aciphex canada 2018.Delaware received federal approval to implement a reinsurance program for 2020, and also enacted legislation to codify ACA consumer protections into state law.

    Highmark had already proposed a premium reduction for 2020, and the rate decrease was even more significant once the reinsurance program was approved. Highmark has proposed another cheap aciphex canada slight rate decrease for 2021. Without the reinsurance program, Highmark’s proposed rate change would have been an increase from 2020.Average approved rate decrease of 1% for 2021Open enrollment for 2021 health plans runs from November 1 – December 15, 2020. Outside of that window, residents can enroll or make changes to their coverage if they experience a qualifying event.Highmark, which is the only insurer in Delaware’s marketplace, proposed cheap aciphex canada an overall average rate decrease of half a percent for 2021 (across all plans, the proposed rate changes vary from a decrease of 3.6 percent to an increase of 5.3 percent).

    But after the rate review process was complete, Delaware’s Insurance Commissioner, Trinidad Navarro, announced that Highmark’s average premiums would decrease by 1 percent for cheap aciphex canada 2021.The state’s reinsurance program, which debuted in 2020, reduced Highmark’s proposed rates for 2021 by 2.5 percentage points, so without the reinsurance program, the proposed rate change would have been an increase of about 2 percent. And although the approved rate decrease is a little more significant than Highmark had initially proposed, it’s likely that rates would have increased slightly for 2021 without the reinsurance program [More details about the state’s reinsurance program are described below, including the program’s enhanced benefits in 2021.]Highmark has 21,828 members enrolled in ACA-compliant individual market plans. Highmark is discontinuing two bronze plans at the end of 2020, and introducing a total of six new plans (bronze, silver, gold, and platinum) for 2021.New Delaware law caps insulin out-of-pocket at $100 per month on state-regulated health plansDelaware HB263, enacted in July 2020, caps out-of-pocket costs for insulin at $100 per month on all individual and group plans that are regulated by the state of Delaware (note that states to not regulate cheap aciphex canada self-insured group plans). Plans are also required to include at least one insulin product in the lowest tier (ie, least expensive) of the plan’s covered drug list.The rule takes effect for plans that are issued or renewed after the end of 2020.Delaware codifies ACA consumer protections into state lawIn August 2019, Delaware Governor John Carney signed SB35, codifying various ACA consumer protections into Delaware state law and joining several other states that have taken similar action over the last few years.

    Although the ACA remains the law of the land, Delaware’s new law ensures that if the ACA is ever repealed or changed, its consumer cheap aciphex canada protections will remain in effect in Delaware.This includes provisions such as guaranteed-issue coverage (regardless of medical history), coverage for essential health benefits, a ban on lifetime and annual benefit maximums, limits on out-of-pocket costs, and rules regarding the factors that insurers can use to set premiums.Governor Carney also signed legislation that ensures adult Medicaid enrollees in Delaware will have dental coverage.Delaware’s reinsurance program took effect in 2020In June 2019, Governor Carney signed HB193 into law, paving the way for Delaware to create a reinsurance program in order to stabilize the state’s individual insurance market. The legislation called for an assessment on insurers in the state, plus federal pass-through funding to cover the cost of the reinsurance program.Reinsurance programs work by paying a portion of high-cost claims, which reduces costs for insurers (in 2020, Delaware’s reinsurance program pays 75 percent of claims that are between $65,000 and $215,000. In 2021, it will pay 80 percent of claims that are between $65,000 cheap aciphex canada and $335,000). Because their claims costs cheap aciphex canada are lower, insurers can charge lower premiums.

    This results in higher enrollment among people who have to pay full-price, and it also means that the federal government spends less on premium subsidies, as the subsidies don’t have to be as large in order to bring net premiums down to an affordable level.States can use a 1332 waiver in order to request pass-through funding, which means the state (instead of the federal government) gets to keep the savings that result from the premium subsidies being smaller. The state cheap aciphex canada then uses that money to fund the reinsurance program. Several states have implemented reinsurance programs over the last couple of years, and have seen improvement in their individual markets as a result.Delaware estimated that the reinsurance program would cost about $44 million in 2020, and that 80 percent of that would be covered by the federal pass-through funding, with the state generating the other 20 percent via the health insurer assessment (1 percent in years when the ACA’s Health Insurance Provider Fee is assessed, and 2.75 percent in years that it isn’t). CMS determined that Delaware’s pass-through funding would amount to cheap aciphex canada $21.7 million in 2020, which was less than the state had initially projected.Delaware submitted a 1332 waiver proposal to CMS in July 2019, and it was approved in mid-August.

    With the reinsurance program in place, Delaware projected that premiums in the individual market to be 13.7 percent lower in 2020 than they would otherwise have been, and that enrollment in the individual market would increase by as much as 2.3 percent, thanks to smaller premiums for people who don’t get premium subsidies (for those who do get subsidies, the subsidies shrink commensurately with the cost of the benchmark plan).19% rate decrease for 2020, thanks in large part to reinsuranceHighmark initially proposed an average rate decrease of 5.85 percent for 2020. The filing, which was submitted before the state’s reinsurance legislation was enacted, noted that it did not account for the reinsurance program (including the insurer assessment that would fund the program as well as the impact of the reinsurance program itself), and that a new filing would need to be submitted if and when the reinsurance program was approved.The 1332 waiver proposal that Delaware submitted to CMS in July noted that with the reinsurance program in place, premiums were expected to be 13.7 percent lower in 2020 than they would otherwise have been, and up to 20 percent lower in future years than they would otherwise have been (the waiver proposal is for a five-year program).Ultimately, a 19 percent average rate decrease was approved for Highmark’s plans, which was very much in cheap aciphex canada line with the state’s initial projections (ie, the 5.9 percent decrease that Highmark had proposed, in addition to the 13.7 percent estimated decrease due to the reinsurance program).For perspective, unsubsidized premiums in Delaware are among the highest in the country in 2019. The average unsubsidized premium in Delaware is $842/month, cheap aciphex canada versus $612 across all of the states that use HealthCare.gov. Enrollment grew in 2020, after declining for three years in a row23,961 people enrolled in plans through Delaware’s exchange during the open enrollment period for 2020 coverage.

    That was an increase of about 6 percent over the number of people who enrolled the year before, and came cheap aciphex canada on the heels of three straight year-over-year enrollment declines.The enrollment drops in recent years were not unexpected. For 2019, two significant factors were the elimination of the individual mandate penalty after the end of 2018 and the Trump Administration’s decision to sharply reduce funding for exchange marketing and enrollment assistance, after already implementing funding cuts the year before. In many states, the expansion of short-term plans also played a role in declining enrollment for cheap aciphex canada 2019, but Delaware regulators implemented emergency regulations that limit short-term plans to just three months in duration, eliminating the option for people to use them as long-term coverage alternatives to ACA-compliant plans. There was a window, however, from early October until the end of November, when residents in Delaware were able to purchase longer short-term plans, and some may have done so in order to obtain coverage for much of 2019.The enrollment increase in 2020 also was not unexpected, as Delaware’s new reinsurance program resulted in lower premiums for people who don’t get premium subsidies, making coverage more affordable for that population.Enrollment in individual market plans through Delaware’s exchange has reached the following totals during open enrollment each year.

    Although enrollment in the exchange dropped about 20 percent from 2016 through 2019, Delaware’s 1332 waiver proposal noted that total individual market enrollment in the state (including cheap aciphex canada on-exchange and off-exchange enrollment) had dropped by 37 percent in that same time period. Off-exchange enrollees don’t get premium subsidies, but the state’s cheap aciphex canada new reinsurance program has made their coverage more affordable, potentially resulting in enrollment gains outside the marketplace as well. 2019 rates and plans. Highmark silver loaded instead of broad loadingDelaware was one of five states where the cost of cost-sharing reductions (CSR) was added to premiums for cheap aciphex canada plans at all metal levels in 2018, rather than just silver plan premiums.

    For 2019 coverage, the rate and form filing submission window in Delaware ran from May 9, 2018 to June 20, 2018.In April 2018, the Department of Insurance published an extensive guide to 2019 rate and form filing submissions, but it did not address the CSR loading issue. The Department of Insurance clarified that they were not leaving the decision entirely up to Highmark, and had been involved in numerous meetings with the insurer about 2019 coverage.Highmark, which also offers coverage in the exchanges in Pennsylvania and West Virginia, recorded their first profitable year in the ACA-compliant market in cheap aciphex canada 2017, after losing a billion dollars in the ACA-compliant market from 2014 through 2016.When the rates were publicized in early August, Highmark had requested a 5.7 percent average premium increase for 2019 (this was a revised filing. Their initial proposed rate increase that still shows up on ratereview.healthcare.gov was 13 percent). And when the Delaware Department of Insurance published final rates later in August, the approved average rate increase for Highmark was just 3 percent.Part of the reason Highmark cheap aciphex canada revised their rates was that the Delaware Insurance Department has been working on regulations to limit short-term health insurance plans to three months in duration and prohibit renewals.

    Highmark’s initial filing had included higher rates (a 1 percent load) to cheap aciphex canada offset the fact that the risk pool was expected to be sicker once the federal regulations were relaxed to allow much longer short-term plans. But Delaware regulators stepped in to prevent that, and the result is a more stable individual market, since healthy people won’t have the option to leave the ACA-compliant market and switch to year-long short-term plans instead.The final rate approval notice clarifies that the cost of CSR was added only to silver plan rates for 2019, as opposed to the broad load strategy that was used for 2018. And the approved rate notice also clarified that the cost of CSR was not added to premiums for plans purchased outside the exchange, which means cheap aciphex canada that Highmark only added the cost of CSR to on-exchange silver plans. That’s the best approach for consumers, as it allows people who don’t qualify for premium subsidies to purchase an off-exchange plan (if they want a silver plan) and not have the added cost of CSR baked into their premiums.

    2018 coverage cheap aciphex canada. Aetna out, Highmark left as the only insurer. 25% average rate increase included adding cost of CSR to all premiums.Highmark Blue Cross Blue Shield of Delaware had the majority of the market share in the cheap aciphex canada state’s exchange in 2017, and they became the only available option as of 2018. Aetna confirmed in May 2017 that they planned to exit all four of the exchanges where they offered coverage in 2017, including Delaware, at the cheap aciphex canada end of the year.

    The Delaware Department of Insurance reported that Aetna insured 11,854 people via exchange plans in 2017 (about 42 percent of the exchange enrollees), all of whom needed to pick a new plan for 2018.In response to Aetna’s market exit announcement, Trinidad Navarro, Delaware’s Insurance Commissioner, said “I would hope that our elected officials in Washington will come up with solutions to guarantee that health insurance in Delaware and elsewhere is both available and affordable. Continuing funding for Cost-Sharing Reductions is a first step in the right direction.”The Trump Administration’s lack of commitment to funding the ACA’s cost-sharing reductions (CSR) was cheap aciphex canada a driving factor in the rates that insurers filed for 2018. Insurers in most states — including Delaware — added the cost of CSR to premiums for 2018. That ended up being a prescient decision, as the Trump Administration announced in mid-October that CSR funding would end immediately.Highmark initially proposed an average rate increase of 33.6 cheap aciphex canada percent, but ultimately agreed to a 25 percent average rate increase in October.

    Their rate filing noted that the average rate increase would have been about 16.8 percent if CSR funding had continued and if the federal government was robustly enforcing the individual mandate (the mandate was still in effect in 2018, although it’s been eliminated as of 2019. But insurers were concerned cheap aciphex canada in 2017 that the Trump Administration might not adequately enforce the mandate for 2018, leading to higher premiums in many areas).The Delaware Department of Insurance confirmed that the cost of CSR was added to premiums at all metal levels for 2018 (ie, a broad load). And Highmark’s rate template cheap aciphex canada indicated that average rate increases for all of their plans were in a very narrow range of about 23 – 26.5 percent, with the average increase for silver plans is roughly the same as the average increase for plans at other metal levels.Ultimately, only a handful of other states opted to add the cost of CSR to plans at all metal levels. Colorado, Mississippi, West Virginia, and Indiana.

    For 2019, Delaware and Colorado both switched to adding the cost of CSR only to silver plans, although Mississippi, West Virginia, and Indiana have continued to use a broad load strategy.Highmark had about 91,600 members enrolled in exchange plans cheap aciphex canada across Delaware, Pennsylvania, and West Virginia in 2018 (including all of the exchange enrollees in Delaware, since Highmark is the only insurer offering exchange plans in the state. That’s down from about 350,000 exchange enrollees in those three states in earlier years of exchange implementation, when the insurer was actively pursuing that market. But amid concerns about financial losses in the exchange markets, Highmark scaled back, reduced network sizes, and generally became much less aggressive in their cheap aciphex canada approach to exchange market share. In 2017, however, for the first time, Highmark made money on its exchange business, after losses in the prior years.

    Exchange plans make up a tiny fraction of the insurer’s overall book of business, cheap aciphex canada which includes 4.6 million members.2017 ratesTwo companies offered health insurance through Delaware’s exchange for 2017. Aetna and Highmark Blue Cross cheap aciphex canada Blue Shield of Delaware. Aetna had a PPO division and an HMO division, which were listed as separate entities for rate filings. Although Aetna exited the exchanges at the end of 2016 in most of the states where they had been participating, Delaware was one of four states where continued to offer exchange plans in 2017 (although they ultimately exited all four states at the end of 2017).In Delaware, cheap aciphex canada the approved average rate increases for 2017 were:Aetna Health (HMO).

    23.6 percentAetna Life (PPO). 22.8 percentHighmark BCBS of Delaware cheap aciphex canada. 32.5 percentA public comment period on the proposed rates ran through July 15, 2016. The rates that were cheap aciphex canada approved were very similar to what the carriers had requested when they originally filed rates for 2017.Initially, Delaware Insurance Commissioner Karen Weldin Stewart had approved a lower-than-requested rate for Highmark, and forwarded that on to CMS for review.

    But in light of the carriers opting to leave exchanges in numerous states around the country, CMS urged Delaware to accept cheap aciphex canada Highmark’s initial rates, and the state agreed. As a result, no carriers left the Delaware exchange at the end of 2016, while most other states saw at least some insurers exit their exchanges.Higher subsidies offset the bulk of the rate hikes for exchange enrollees who are subsidy-eligible, which accounts for the large majority of enrollees.2016 ratesA study released in December 2014 by The Commonwealth Fund showed just a 3 percent increase in average marketplace premiums for Delaware between 2014 and 2015. The weighted analysis looked at rates across all metal cheap aciphex canada tiers and in urban/suburban/rural areas of most states.But rate increases the following year, for 2016 coverage, were much more significant. On September 29, 2015, Stewart announced final rates for 2016, after vowing earlier in the year that the Insurance Department in Delaware would “vigorously examine” the 2016 rate proposals they received from the state’s two exchange insurers, hoping to find ways to reduce the final rates.Highmark Blue Cross Blue Shield of Delaware initially requested an average rate increase of just over 25 percent in the individual market, although they increased their proposed rate increase to 33 percent in August.

    State regulators ultimately approved a 22.4 percent average rate increase for Highmark’s individual market plans, and Highmark had almost 95 percent of the individual market share in Delaware, including both on and off-exchange enrollments.Aetna proposed raising rates by an average of nearly 17 percent for 2016, which was approved by regulators.In 2014, Highmark garnered cheap aciphex canada more than 90 percent of the exchange market share. For 2015, they only increased their average rates by 4 percent. Highmark’s rates increased significantly for 2016, but their market share remained similar to what it had been in 2015.No discrimination against transgender enrolleesIn March 2016, Delaware became the 15th state to prohibit health insurance companies from discriminating against transgender cheap aciphex canada enrollees. The rules apply both on and off exchange, and in the individual and group market.The bulletin issued by Insurance Commissioner Karen Weldin Stewart specifically notes that while the plan that constitutes the Essential Health Benefits benchmark plan in Delaware for 2016 did have an exclusion for “change of sex surgery” (except for correcting a congenital defect), the bulletin detailing the ban on transgender discrimination supersedes the benchmark plan design, and that insurers may not issue such a blanket exclusion.Specialty drugs costs are capped under Delaware lawDelaware is one of several states that have taken steps to limit patients’ out-of-pocket costs for prescription drugs.

    Delaware law limits specialty drugs to $150/month copays or coinsurance cheap aciphex canada. The regulations apply on and off-exchange, and cheap aciphex canada to employer-sponsored plans that are regulated by the state (self-insured plans are regulated by the federal government under ERISA instead).And Delaware insurance plans are not allowed to designate all drugs in a particular drug class as specialty drugs, so patients shouldn’t have a situation in which their only available drugs are specialty drugs.Delaware opted to stay with federally-run exchangeIn the months leading up to the Supreme Court’s 2015 ruling on King v. Burwell, Delaware devised a back-up plan. Because Delaware uses the federally-run marketplace (the state has a partnership exchange, which is a variation of the federally-run exchange), subsidies were cheap aciphex canada in jeopardy in the state.

    If the King plaintiffs had prevailed, an estimated 18,000 people would have lost their subsidies in Delaware. And statewide, the entire individual market would have seen spiraling premiums over the next few years as healthy cheap aciphex canada individuals dropped coverage that became unaffordable without subsidies.To avoid that outcome, the state submitted a proposal for transitioning from a state-federal partnership exchange to a federally-supported state-based marketplace (Oregon, Nevada, Arkansas, Kentucky, and New Mexico use that model as of 2019, with state-run exchanges that utilize Healthcare.gov for enrollment). And on June 15, 2015, HHS issued conditional approval for Delaware’s plan (Pennsylvania and Arkansas also got conditional approval for state-run exchanges as contingency plans in case the Court had sided with King).At that point, Delaware was the only state with a Democratic governor and Democratic majority in both congressional chambers that didn’t have a state-run exchange, in large part because the state’s small population would make it financially difficult to sustain an exchange.But then on June 25, the Supreme Court ruled that subsidies are legal in every state, including those that use the federally-run marketplace, meaning that subsidies would continue to be available in Delaware regardless of whether the state runs its own exchange. Initially, it was unclear whether Delaware would continue with their plan to implement cheap aciphex canada a supported state-based marketplace.

    The state issued a press release immediately after cheap aciphex canada the King verdict was announced, stating that they would continue to evaluate the possibility of transitioning the exchange, and make a decision later in the summer.But in August 2015, Delaware officials announced that they would continue to operate as a state-federal partnership exchange, noting that it would be more cost-effective than operating their own exchange.Delaware health insurance exchange linksChoose Health Delaware800-318-2596HealthCare.gov800-318-2596Health Benefit Exchange informationExchange information from the Delaware Health Care CommissionWho Serves on the Delaware Health Care Commission?. State Exchange Profile. DelawareThe Henry J cheap aciphex canada. Kaiser Family Foundation overview of Delaware’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

    She has written dozens of cheap aciphex canada opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Buying a short-term plan in Tennessee Short-term plan duration in TennesseeTennessee does not limit the duration of short-term health insurance plans, so the state defaults to the federal rules. The Trump administration finalized regulations in 2018 that allow short-term medical plans to have initial terms of up to 364 days, and total duration, including cheap aciphex canada renewals, of up to 36 months.But insurers can impose shorter maximum terms and can opt not to allow renewals. Some of the insurers that offer short-term health insurance in Tennessee allow consumers to buy up to 36 months of coverage, while others cap their plans at six months.Tennessee’s short-term health insurance regulationsInsurers that offer short-term plans in Tennessee are required to file the rates and plans with the Tennessee Department of Commerce and Insurance, and there are specific state rules that apply to rate and cheap aciphex canada form filing in Tennessee for plans that aren’t subject to ACA regulations (including short-term health plans).Several sections of Tennessee insurance statute (Title 56) apply to short-term plans sold in the state, including.

    Who can get short-term health insurance in TennesseeShort-term health insurance plans can be purchased in Tennessee by applicants who can meet the underwriting guidelines the insurers use. In general, this means being under 65 years old (some insurers put the age limit at 64 years) and in fairly good health.Short-term health medical insurance plans cheap aciphex canada typically include blanket exclusions for pre-existing conditions, so they are not adequate for someone who is in need of medical care and seeking a policy that will cover those needs.If you’re in need of health insurance coverage in Tennessee, your first step should be to see whether you’re eligible for a special enrollment period that would allow you to enroll in an ACA-compliant major medical plan. There are a variety of qualifying life events that will trigger a special enrollment period and allow you to buy a plan through the health insurance exchange in Tennessee. These plans are purchased on a month-to-month basis, so you can enroll in one (with a premium subsidy if you’re eligible) even if you’re only going to need it for a few months before another policy takes effect.When should I consider cheap aciphex canada short-term health insurance in Tennessee?.

    With that said, there are times when a short-term health insurance plan might be the only option, or the most realistic option:If you missed open enrollment for ACA-compliant coverage and do not have a qualifying event that would trigger a special enrollment period.If you’re not eligible for Medicaid or a premium subsidy in the exchange, an ACA-compliant plan might be unaffordable. People who are cheap aciphex canada ineligible for premium subsidies include. National Association of Insurance Commissioners, led by Tennessee’s insurance commissioner, supported the expansion of short-term plansUntil mid-2019, Julie Mix McPeak served as the Insurance Commissioner for cheap aciphex canada Tennessee. McPeak was also the President of the National Association of Insurance Commissioners (NAIC) when the NAIC submitted a letter to HHS that was generally supportive of the then-proposed rule change to expand access to short-term health insurance plans.

    In particular, the NAIC supported the provision to allow short-term plans to have initial terms of up to 364 days, instead of the three-month limit that was imposed under a regulation finalized by the Obama Administration in 2016.McPeak expressed support for the expansion of short-term plans, cheap aciphex canada while also noting how important it is for consumers to understand what they’re buying, and how short-term health plans differ from ACA-compliant plans.It’s noteworthy that Northeastern Tennessee’s Tri-Cities has the highest rate of pre-existing conditions in the US. 41 percent of adults in that area have health conditions that would have prevented them from buying individual market health insurance prior to 2014 (when the ACA reformed that market and banned medical underwriting). But short-term health cheap aciphex canada insurance plans still use medical underwriting, and the policies generally do not cover pre-existing conditions. Which insurers offer short-term health insurance in Tennessee?.

    As of mid-2020, there were at least five short-term insurance providers in Tennessee:Companion LifeEverest ReinsuranceIndependence American Insurance CompanyNational GeneralUnitedHealthcare/Golden RuleAnother insurer, United States Fire Insurance Company, had filed plans in late cheap aciphex canada 2019 for a new short-term product, but the filing was withdrawn in 2020 (see SERFF filing number CRUM-132087302. The filing notes include numerous details from the Tennessee Department cheap aciphex canada of Commerce and Insurance regarding specific requirements that the Department enforces for short-term health insurance plans).Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates cheap aciphex canada are regularly cited by media who cover health reform and by other health insurance experts.REDWOOD CITY, Calif., Sept.

    01, 2020 (GLOBE NEWSWIRE) -- Guardant Health, Inc. (Nasdaq. GH) today announced the company will be participating in the upcoming Morgan Stanley Virtual Healthcare Conference.Guardant Health’s management is scheduled for a fireside chat on Tuesday, September 15 at 8:45 a.m. Pacific Time / 11:45 a.m.

    Eastern Time. Interested parties may access a live and archived webcast of the presentation on the “Investors” section of the company website at. Www.guardanthealth.com.About Guardant HealthGuardant Health is a leading precision oncology company focused on helping conquer cancer globally through use of its proprietary blood tests, vast data sets, and advanced analytics. The Guardant Health Oncology Platform leverages capabilities to drive commercial adoption, improve patient clinical outcomes and lower healthcare costs across all stages of the cancer care continuum.

    Guardant Health has launched liquid biopsy-based Guardant360® and GuardantOMNI® tests for advanced stage cancer patients. These tests fuel development of its LUNAR program, which aims to address the needs of early stage cancer patients with neoadjuvant and adjuvant treatment selection, cancer survivors with surveillance, asymptomatic individuals eligible for cancer screening and individuals at a higher risk for developing cancer with early detection.Investor Contact:Carrie Mendivilinvestors@guardanthealth.comMedia Contact:Anna Czenepress@guardanthealth.comCourtney Carrollcourtney.carroll@uncappedcommunications.com Source. Guardant Health, Inc.COVID-19 diagnostic expands testing supply, protects the continuity of essential cancer work at Guardant Health, and helps with reopening at Delaware State UniversityREDWOOD CITY, Calif., Aug. 24, 2020 (GLOBE NEWSWIRE) -- Guardant Health, Inc.

    (Nasdaq. GH) announces that the U.S. Food and Drug Administration (FDA) has granted the Guardant-19 test emergency use authorization (EUA) for use in the detection of the novel coronavirus, SARS-CoV-2. The test is being offered to Guardant Health employees and select partner organizations through the company’s CLIA-certified clinical laboratory.The Guardant-19 test is a reverse transcriptase polymerase chain reaction next generation sequencing (rt-PCR-seq) test that detects coronavirus SARS-CoV-2 nucleic acid from upper respiratory nasal specimens including nasopharyngeal swabs, oropharyngeal swabs, nasal swabs, interior nasal swabs, mid-turbinate nasal swabs, nasopharyngeal wash/aspirates, nasal aspirates, and nasal washes.

    The test has a validated limit of detection (LoD) of 125 copies per mL and results are typically returned the next day. The heavily multiplexed testing workflow used has the ability to scale to over 10,000 tests per day.“While serving cancer patients remains our top priority, we are proud to be able to leverage our expertise in liquid biopsy testing to contribute to battling the COVID-19 pandemic by offering a highly accurate test that is truly additive to the testing options available today,” said AmirAli Talasaz, Guardant Health president. €œSince the beginning of the pandemic we believed it was our social responsibility to not only protect the health and safety of our employees, but to also help our greater community with return to work and school initiatives. It gives me great pride knowing that Guardant Health is able to deliver.”The Guardant-19 test is being used to help Delaware State University, a Historically Black College &.

    University, in its efforts to reopen safely. €œGuardant is providing us with an innovative testing technology to help protect the safety of our entire campus community,” said Tony Allen, president of Delaware State University, which is being advised by nonprofit Testing for America on its reopening plans.“Our mission is to permanently and safely reopen schools, business and the US economy by providing affordable, accessible and frequent testing and screening. We believe that a testing option like the one provided by Guardant Health can help achieve the highly accurate and rapid results at a scale that we need,” said Dr. Joan Coker, surgeon and Advisory Council member of Testing for America.The Healing Grove Health Center in San Jose, California is another partner organization.

    €œWe are thankful for a high-throughput, fast, accurate COVID-19 test from Guardant Health,” said Brett Bymaster, the center’s executive director. €œOur patients are low-income and high risk, and we are seeing a high positivity rate. When we catch these positive cases early, we are possibly saving hundreds of people from getting infected with COVID-19 by ensuring that they quarantine. By working closely with Guardant Health, we have gotten results quickly and have been able to keep our COVID-positive patients recovering at home, limiting the severity of the outbreak in this important community.”To learn more about accessing the Guardant-19 test, email.

    Guardant19support@guardanthealth.com.About Guardant HealthGuardant Health is a leading precision oncology company focused on helping conquer cancer globally through use of its proprietary blood tests, vast data sets, and advanced analytics. The Guardant Health Oncology Platform leverages capabilities to drive commercial adoption, improve patient clinical outcomes and lower healthcare costs across all stages of the cancer care continuum. Guardant Health has launched liquid biopsy-based Guardant360® and GuardantOMNI® tests for advanced stage cancer patients. These tests fuel development of its LUNAR program, which aims to address the needs of early stage cancer patients with neoadjuvant and adjuvant treatment selection, cancer survivors with surveillance, asymptomatic individuals eligible for cancer screening and individuals at a higher risk for developing cancer with early detection.Investor Contact:Carrie Mendivilinvestors@guardanthealth.comMedia Contact:Anna Czenepress@guardanthealth.comCourtney Carrollcourtney.carroll@uncappedcommunications.com Source.

    Highlights and updates Delaware exchange overviewHow hard is Delaware fighting to preserve the Affordable can i buy aciphex online Care Act’s provisions?. Compare to other state efforts.Delaware’s exchange is a partnership between the state (Choose Health Delaware) and HHS, can i buy aciphex online with residents enrolling through HealthCare.gov. Delaware is responsible for plan management and consumer assistance while the federal government handles all other functions. As of early 2020, there were 22,497 people with effectuated individual market coverage through Delaware’s exchange.Two health insurance companies offered coverage in the exchange in 2017, but that dropped to just one – Highmark BCBS of Delaware – in 2018, and Highmark continues to be the only insurer offering plans in the state’s exchange in 2020.Highmark already covered more than half of Delaware’s exchange enrollees as of 2017, but nearly 12,000 people with Aetna coverage had to select new plans from Highmark for 2018.Delaware received federal approval to implement a reinsurance program for 2020, and also can i buy aciphex online enacted legislation to codify ACA consumer protections into state law.

    Highmark had already proposed a premium reduction for 2020, and the rate decrease was even more significant once the reinsurance program was approved. Highmark has proposed another slight rate decrease can i buy aciphex online for 2021. Without the reinsurance program, Highmark’s proposed rate change would have been an increase from 2020.Average approved rate decrease of 1% for 2021Open enrollment for 2021 health plans runs from November 1 – December 15, 2020. Outside of that window, residents can can i buy aciphex online enroll or make changes to their coverage if they experience a qualifying event.Highmark, which is the only insurer in Delaware’s marketplace, proposed an overall average rate decrease of half a percent for 2021 (across all plans, the proposed rate changes vary from a decrease of 3.6 percent to an increase of 5.3 percent).

    But after the rate review process was complete, Delaware’s Insurance Commissioner, Trinidad Navarro, announced that Highmark’s average premiums can i buy aciphex online would decrease by 1 percent for 2021.The state’s reinsurance program, which debuted in 2020, reduced Highmark’s proposed rates for 2021 by 2.5 percentage points, so without the reinsurance program, the proposed rate change would have been an increase of about 2 percent. And although the approved rate decrease is a little more significant than Highmark had initially proposed, it’s likely that rates would have increased slightly for 2021 without the reinsurance program [More details about the state’s reinsurance program are described below, including the program’s enhanced benefits in 2021.]Highmark has 21,828 members enrolled in ACA-compliant individual market plans. Highmark is discontinuing two can i buy aciphex online bronze plans at the end of 2020, and introducing a total of six new plans (bronze, silver, gold, and platinum) for 2021.New Delaware law caps insulin out-of-pocket at $100 per month on state-regulated health plansDelaware HB263, enacted in July 2020, caps out-of-pocket costs for insulin at $100 per month on all individual and group plans that are regulated by the state of Delaware (note that states to not regulate self-insured group plans). Plans are also required to include at least one insulin product in the lowest tier (ie, least expensive) of the plan’s covered drug list.The rule takes effect for plans that are issued or renewed after the end of 2020.Delaware codifies ACA consumer protections into state lawIn August 2019, Delaware Governor John Carney signed SB35, codifying various ACA consumer protections into Delaware state law and joining several other states that have taken similar action over the last few years.

    Although the ACA remains the law of the land, Delaware’s new law ensures that if the ACA is ever repealed or changed, its consumer protections will remain in effect in Delaware.This includes provisions such as guaranteed-issue coverage (regardless of medical history), coverage for essential health benefits, a ban on can i buy aciphex online lifetime and annual benefit maximums, limits on out-of-pocket costs, and rules regarding the factors that insurers can use to set premiums.Governor Carney also signed legislation that ensures adult Medicaid enrollees in Delaware will have dental coverage.Delaware’s reinsurance program took effect in 2020In June 2019, Governor Carney signed HB193 into law, paving the way for Delaware to create a reinsurance program in order to stabilize the state’s individual insurance market. The legislation called for an assessment on insurers in the state, plus federal pass-through funding to cover the cost of the reinsurance program.Reinsurance programs work by paying a portion of high-cost claims, which reduces costs for insurers (in 2020, Delaware’s reinsurance program pays 75 percent of claims that are between $65,000 and $215,000. In 2021, it will pay 80 percent of claims that are between $65,000 and can i buy aciphex online $335,000). Because their can i buy aciphex online claims costs are lower, insurers can charge lower premiums.

    This results in higher enrollment among people who have to pay full-price, and it also means that the federal government spends less on premium subsidies, as the subsidies don’t have to be as large in order to bring net premiums down to an affordable level.States can use a 1332 waiver in order to request pass-through funding, which means the state (instead of the federal government) gets to keep the savings that result from the premium subsidies being smaller. The state then uses that can i buy aciphex online money to fund the reinsurance program. Several states have implemented reinsurance programs over the last couple of years, and have seen improvement in their individual markets as a result.Delaware estimated that the reinsurance program would cost about $44 million in 2020, and that 80 percent of that would be covered by the federal pass-through funding, with the state generating the other 20 percent via the health insurer assessment (1 percent in years when the ACA’s Health Insurance Provider Fee is assessed, and 2.75 percent in years that it isn’t). CMS determined that Delaware’s can i buy aciphex online pass-through funding would amount to $21.7 million in 2020, which was less than the state had initially projected.Delaware submitted a 1332 waiver proposal to CMS in July 2019, and it was approved in mid-August.

    With the reinsurance program in place, Delaware projected that premiums in the individual market to be 13.7 percent lower in 2020 than they would otherwise have been, and that enrollment in the individual market would increase by as much as 2.3 percent, thanks to smaller premiums for people who don’t get premium subsidies (for those who do get subsidies, the subsidies shrink commensurately with the cost of the benchmark plan).19% rate decrease for 2020, thanks in large part to reinsuranceHighmark initially proposed an average rate decrease of 5.85 percent for 2020. The filing, which was submitted before the state’s reinsurance legislation was enacted, noted that it did not account for the reinsurance program (including the insurer assessment that would fund the program as well as the impact of the reinsurance program itself), and that a new filing would need to be submitted if and when the reinsurance program was approved.The 1332 waiver proposal that Delaware submitted to CMS in July noted that with the reinsurance program in place, premiums were expected to be 13.7 percent lower in 2020 than they would otherwise have been, and up to 20 percent lower in future years than they would otherwise have been (the waiver proposal is for a five-year program).Ultimately, a 19 percent average rate decrease was approved for Highmark’s plans, which was very much in line with the state’s initial projections (ie, the 5.9 percent decrease that Highmark had proposed, can i buy aciphex online in addition to the 13.7 percent estimated decrease due to the reinsurance program).For perspective, unsubsidized premiums in Delaware are among the highest in the country in 2019. The average unsubsidized premium in Delaware is $842/month, versus $612 across all of the states that use HealthCare.gov can i buy aciphex online. Enrollment grew in 2020, after declining for three years in a row23,961 people enrolled in plans through Delaware’s exchange during the open enrollment period for 2020 coverage.

    That was can i buy aciphex online an increase of about 6 percent over the number of people who enrolled the year before, and came on the heels of three straight year-over-year enrollment declines.The enrollment drops in recent years were not unexpected. For 2019, two significant factors were the elimination of the individual mandate penalty after the end of 2018 and the Trump Administration’s decision to sharply reduce funding for exchange marketing and enrollment assistance, after already implementing funding cuts the year before. In many states, the expansion of short-term plans also played a role in declining enrollment for 2019, but Delaware regulators implemented emergency regulations that can i buy aciphex online limit short-term plans to just three months in duration, eliminating the option for people to use them as long-term coverage alternatives to ACA-compliant plans. There was a window, however, from early October until the end of November, when residents in Delaware were able to purchase longer short-term plans, and some may have done so in order to obtain coverage for much of 2019.The enrollment increase in 2020 also was not unexpected, as Delaware’s new reinsurance program resulted in lower premiums for people who don’t get premium subsidies, making coverage more affordable for that population.Enrollment in individual market plans through Delaware’s exchange has reached the following totals during open enrollment each year.

    Although enrollment in the exchange dropped about 20 percent from can i buy aciphex online 2016 through 2019, Delaware’s 1332 waiver proposal noted that total individual market enrollment in the state (including on-exchange and off-exchange enrollment) had dropped by 37 percent in that same time period. Off-exchange enrollees don’t get premium subsidies, but the state’s new can i buy aciphex online reinsurance program has made their coverage more affordable, potentially resulting in enrollment gains outside the marketplace as well. 2019 rates and plans. Highmark silver loaded instead of broad loadingDelaware was one of five states where the cost of cost-sharing reductions (CSR) was added to premiums can i buy aciphex online for plans at all metal levels in 2018, rather than just silver plan premiums.

    For 2019 coverage, the rate and form filing submission window in Delaware ran from May 9, 2018 to June 20, 2018.In April 2018, the Department of Insurance published an extensive guide to 2019 rate and form filing submissions, but it did not address the CSR loading issue. The Department of Insurance clarified that they were not leaving the decision entirely up to Highmark, and had been involved in numerous meetings with the insurer about 2019 coverage.Highmark, which can i buy aciphex online also offers coverage in the exchanges in Pennsylvania and West Virginia, recorded their first profitable year in the ACA-compliant market in 2017, after losing a billion dollars in the ACA-compliant market from 2014 through 2016.When the rates were publicized in early August, Highmark had requested a 5.7 percent average premium increase for 2019 (this was a revised filing. Their initial proposed rate increase that still shows up on ratereview.healthcare.gov was 13 percent). And when the Delaware Department of Insurance published final rates later in August, the approved average rate increase for Highmark was just 3 percent.Part of the reason Highmark revised their rates was that the Delaware Insurance Department has been working on regulations can i buy aciphex online to limit short-term health insurance plans to three months in duration and prohibit renewals.

    Highmark’s initial filing had included higher rates (a 1 percent load) to offset the fact that the risk pool was expected to be can i buy aciphex online sicker once the federal regulations were relaxed to allow much longer short-term plans. But Delaware regulators stepped in to prevent that, and the result is a more stable individual market, since healthy people won’t have the option to leave the ACA-compliant market and switch to year-long short-term plans instead.The final rate approval notice clarifies that the cost of CSR was added only to silver plan rates for 2019, as opposed to the broad load strategy that was used for 2018. And the approved rate notice also clarified that the cost of CSR was not added to premiums for plans purchased can i buy aciphex online outside the exchange, which means that Highmark only added the cost of CSR to on-exchange silver plans. That’s the best approach for consumers, as it allows people who don’t qualify for premium subsidies to purchase an off-exchange plan (if they want a silver plan) and not have the added cost of CSR baked into their premiums.

    2018 coverage can i buy aciphex online. Aetna out, Highmark left as the only insurer. 25% average rate increase included adding cost of CSR to all premiums.Highmark Blue Cross Blue Shield of Delaware had the majority of the market share in the state’s exchange in 2017, and they became the only can i buy aciphex online available option as of 2018. Aetna confirmed in May 2017 that they planned to exit all four can i buy aciphex online of the exchanges where they offered coverage in 2017, including Delaware, at the end of the year.

    The Delaware Department of Insurance reported that Aetna insured 11,854 people via exchange plans in 2017 (about 42 percent of the exchange enrollees), all of whom needed to pick a new plan for 2018.In response to Aetna’s market exit announcement, Trinidad Navarro, Delaware’s Insurance Commissioner, said “I would hope that our elected officials in Washington will come up with solutions to guarantee that health insurance in Delaware and elsewhere is both available and affordable. Continuing funding can i buy aciphex online for Cost-Sharing Reductions is a first step in the right direction.”The Trump Administration’s lack of commitment to funding the ACA’s cost-sharing reductions (CSR) was a driving factor in the rates that insurers filed for 2018. Insurers in most states — including Delaware — added the cost of CSR to premiums for 2018. That ended up being a prescient decision, as the Trump Administration announced in mid-October that CSR funding would end immediately.Highmark initially proposed an average rate increase of 33.6 percent, can i buy aciphex online but ultimately agreed to a 25 percent average rate increase in October.

    Their rate filing noted that the average rate increase would have been about 16.8 percent if CSR funding had continued and if the federal government was robustly enforcing the individual mandate (the mandate was still in effect in 2018, although it’s been eliminated as of 2019. But insurers were concerned in 2017 that the Trump Administration might not adequately enforce the mandate for 2018, leading to higher premiums in many areas).The Delaware Department of Insurance confirmed that the cost of CSR can i buy aciphex online was added to premiums at all metal levels for 2018 (ie, a broad load). And Highmark’s rate template indicated that average rate increases for all of their plans were in a very narrow range of about 23 – 26.5 percent, with the average increase for silver plans is roughly the same as the average increase for plans at other metal levels.Ultimately, only a handful of other states opted to add the cost of CSR to can i buy aciphex online plans at all metal levels. Colorado, Mississippi, West Virginia, and Indiana.

    For 2019, Delaware and Colorado both switched to adding the cost of CSR only to silver plans, although Mississippi, West Virginia, and Indiana have continued to use a broad load strategy.Highmark had about 91,600 members enrolled in exchange plans across Delaware, Pennsylvania, and West can i buy aciphex online Virginia in 2018 (including all of the exchange enrollees in Delaware, since Highmark is the only insurer offering exchange plans in the state. That’s down from about 350,000 exchange enrollees in those three states in earlier years of exchange implementation, when the insurer was actively pursuing that market. But amid concerns about financial losses in the exchange markets, Highmark scaled back, reduced network sizes, and generally became much less can i buy aciphex online aggressive in their approach to exchange market share. In 2017, however, for the first time, Highmark made money on its exchange business, after losses in the prior years.

    Exchange plans make up a tiny fraction of the insurer’s overall book of business, which includes 4.6 million members.2017 ratesTwo companies offered health can i buy aciphex online insurance through Delaware’s exchange for 2017. Aetna and Highmark Blue can i buy aciphex online Cross Blue Shield of Delaware. Aetna had a PPO division and an HMO division, which were listed as separate entities for rate filings. Although Aetna exited the exchanges at the end of 2016 in most can i buy aciphex online of the states where they had been participating, Delaware was one of four states where continued to offer exchange plans in 2017 (although they ultimately exited all four states at the end of 2017).In Delaware, the approved average rate increases for 2017 were:Aetna Health (HMO).

    23.6 percentAetna Life (PPO). 22.8 percentHighmark BCBS of can i buy aciphex online Delaware. 32.5 percentA public comment period on the proposed rates ran through July 15, 2016. The rates can i buy aciphex online that were approved were very similar to what the carriers had requested when they originally filed rates for 2017.Initially, Delaware Insurance Commissioner Karen Weldin Stewart had approved a lower-than-requested rate for Highmark, and forwarded that on to CMS for review.

    But in light of the carriers opting to leave exchanges in numerous states can i buy aciphex online around the country, CMS urged Delaware to accept Highmark’s initial rates, and the state agreed. As a result, no carriers left the Delaware exchange at the end of 2016, while most other states saw at least some insurers exit their exchanges.Higher subsidies offset the bulk of the rate hikes for exchange enrollees who are subsidy-eligible, which accounts for the large majority of enrollees.2016 ratesA study released in December 2014 by The Commonwealth Fund showed just a 3 percent increase in average marketplace premiums for Delaware between 2014 and 2015. The weighted analysis looked at rates across all metal tiers and in urban/suburban/rural areas of can i buy aciphex online most states.But rate increases the following year, for 2016 coverage, were much more significant. On September 29, 2015, Stewart announced final rates for 2016, after vowing earlier in the year that the Insurance Department in Delaware would “vigorously examine” the 2016 rate proposals they received from the state’s two exchange insurers, hoping to find ways to reduce the final rates.Highmark Blue Cross Blue Shield of Delaware initially requested an average rate increase of just over 25 percent in the individual market, although they increased their proposed rate increase to 33 percent in August.

    State regulators ultimately approved a 22.4 percent average rate increase for Highmark’s individual market plans, and Highmark had almost 95 percent of the individual market share in Delaware, including both on and off-exchange enrollments.Aetna proposed raising rates by an average of nearly can i buy aciphex online 17 percent for 2016, which was approved by regulators.In 2014, Highmark garnered more than 90 percent of the exchange market share. For 2015, they only increased their average rates by 4 percent. Highmark’s rates increased significantly for 2016, but their market share remained similar to what it had been in 2015.No discrimination against transgender enrolleesIn March 2016, Delaware became the 15th state to can i buy aciphex online prohibit health insurance companies from discriminating against transgender enrollees. The rules apply both on and off exchange, and in the individual and group market.The bulletin issued by Insurance Commissioner Karen Weldin Stewart specifically notes that while the plan that constitutes the Essential Health Benefits benchmark plan in Delaware for 2016 did have an exclusion for “change of sex surgery” (except for correcting a congenital defect), the bulletin detailing the ban on transgender discrimination supersedes the benchmark plan design, and that insurers may not issue such a blanket exclusion.Specialty drugs costs are capped under Delaware lawDelaware is one of several states that have taken steps to limit patients’ out-of-pocket costs for prescription drugs.

    Delaware law limits specialty drugs to $150/month copays can i buy aciphex online or coinsurance. The regulations apply on and off-exchange, and to employer-sponsored plans that are regulated by the state (self-insured plans are regulated by the federal government under ERISA instead).And Delaware insurance plans are not allowed to designate all drugs in a particular drug class as specialty drugs, so patients shouldn’t have a situation in which their only available drugs are specialty drugs.Delaware can i buy aciphex online opted to stay with federally-run exchangeIn the months leading up to the Supreme Court’s 2015 ruling on King v. Burwell, Delaware devised a back-up plan. Because Delaware uses the federally-run marketplace (the state has a partnership can i buy aciphex online exchange, which is a variation of the federally-run exchange), subsidies were in jeopardy in the state.

    If the King plaintiffs had prevailed, an estimated 18,000 people would have lost their subsidies in Delaware. And statewide, the entire individual market would have seen can i buy aciphex online spiraling premiums over the next few years as healthy individuals dropped coverage that became unaffordable without subsidies.To avoid that outcome, the state submitted a proposal for transitioning from a state-federal partnership exchange to a federally-supported state-based marketplace (Oregon, Nevada, Arkansas, Kentucky, and New Mexico use that model as of 2019, with state-run exchanges that utilize Healthcare.gov for enrollment). And on June 15, 2015, HHS issued conditional approval for Delaware’s plan (Pennsylvania and Arkansas also got conditional approval for state-run exchanges as contingency plans in case the Court had sided with King).At that point, Delaware was the only state with a Democratic governor and Democratic majority in both congressional chambers that didn’t have a state-run exchange, in large part because the state’s small population would make it financially difficult to sustain an exchange.But then on June 25, the Supreme Court ruled that subsidies are legal in every state, including those that use the federally-run marketplace, meaning that subsidies would continue to be available in Delaware regardless of whether the state runs its own exchange. Initially, it was unclear whether Delaware would continue with their plan to can i buy aciphex online implement a supported state-based marketplace.

    The state issued a press release immediately after the King verdict was announced, stating that they would continue to evaluate the possibility of transitioning the exchange, and make a decision later in the summer.But in August 2015, Delaware officials announced that they would continue to operate as a can i buy aciphex online state-federal partnership exchange, noting that it would be more cost-effective than operating their own exchange.Delaware health insurance exchange linksChoose Health Delaware800-318-2596HealthCare.gov800-318-2596Health Benefit Exchange informationExchange information from the Delaware Health Care CommissionWho Serves on the Delaware Health Care Commission?. State Exchange Profile. DelawareThe Henry J can i buy aciphex online. Kaiser Family Foundation overview of Delaware’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

    She has can i buy aciphex online written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Buying a short-term plan in Tennessee Short-term plan duration in TennesseeTennessee does not limit the duration of short-term health insurance plans, so the state defaults to the federal rules. The Trump administration finalized regulations in 2018 that allow short-term medical can i buy aciphex online plans to have initial terms of up to 364 days, and total duration, including renewals, of up to 36 months.But insurers can impose shorter maximum terms and can opt not to allow renewals. Some of the insurers that offer short-term health insurance in Tennessee allow consumers to buy up to 36 months of coverage, while others cap their plans at six months.Tennessee’s short-term health insurance regulationsInsurers that offer short-term plans in Tennessee are required to file the rates and plans with the Tennessee can i buy aciphex online Department of Commerce and Insurance, and there are specific state rules that apply to rate and form filing in Tennessee for plans that aren’t subject to ACA regulations (including short-term health plans).Several sections of Tennessee insurance statute (Title 56) apply to short-term plans sold in the state, including.

    Who can get short-term health insurance in TennesseeShort-term health insurance plans can be purchased in Tennessee by applicants who can meet the underwriting guidelines the insurers use. In general, this means being under 65 years old (some insurers put the age limit at 64 years) and in fairly good health.Short-term health medical insurance plans typically include blanket exclusions for pre-existing conditions, so they are not adequate for someone who is in need of medical care and seeking a policy that will cover those can i buy aciphex online needs.If you’re in need of health insurance coverage in Tennessee, your first step should be to see whether you’re eligible for a special enrollment period that would allow you to enroll in an ACA-compliant major medical plan. There are a variety of qualifying life events that will trigger a special enrollment period and allow you to buy a plan through the health insurance exchange in Tennessee. These plans are purchased on a month-to-month basis, so you can enroll in one (with a premium subsidy if you’re eligible) even if you’re only going to need it for a few months before another policy can i buy aciphex online takes effect.When should I consider short-term health insurance in Tennessee?.

    With that said, there are times when a short-term health insurance plan might be the only option, or the most realistic option:If you missed open enrollment for ACA-compliant coverage and do not have a qualifying event that would trigger a special enrollment period.If you’re not eligible for Medicaid or a premium subsidy in the exchange, an ACA-compliant plan might be unaffordable. People who can i buy aciphex online are ineligible for premium subsidies include. National Association of Insurance Commissioners, led by Tennessee’s insurance commissioner, supported the expansion of short-term plansUntil can i buy aciphex online mid-2019, Julie Mix McPeak served as the Insurance Commissioner for Tennessee. McPeak was also the President of the National Association of Insurance Commissioners (NAIC) when the NAIC submitted a letter to HHS that was generally supportive of the then-proposed rule change to expand access to short-term health insurance plans.

    In particular, the NAIC supported the provision to allow short-term plans to have initial terms of up to 364 days, instead of the three-month limit that was imposed under a regulation finalized by the Obama Administration in 2016.McPeak expressed support for the expansion of short-term plans, while also noting how important it is can i buy aciphex online for consumers to understand what they’re buying, and how short-term health plans differ from ACA-compliant plans.It’s noteworthy that Northeastern Tennessee’s Tri-Cities has the highest rate of pre-existing conditions in the US. 41 percent of adults in that area have health conditions that would have prevented them from buying individual market health insurance prior to 2014 (when the ACA reformed that market and banned medical underwriting). But short-term health insurance plans still use medical can i buy aciphex online underwriting, and the policies generally do not cover pre-existing conditions. Which insurers offer short-term health insurance in Tennessee?.

    As of mid-2020, there were at least five short-term insurance providers in Tennessee:Companion LifeEverest ReinsuranceIndependence American Insurance CompanyNational GeneralUnitedHealthcare/Golden RuleAnother insurer, United States Fire Insurance Company, had filed plans in can i buy aciphex online late 2019 for a new short-term product, but the filing was withdrawn in 2020 (see SERFF filing number CRUM-132087302. The filing notes include numerous details from the Tennessee Department of Commerce and Insurance regarding can i buy aciphex online specific requirements that the Department enforces for short-term health insurance plans).Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange can i buy aciphex online updates are regularly cited by media who cover health reform and by other health insurance experts.REDWOOD CITY, Calif., Sept.

    01, 2020 (GLOBE NEWSWIRE) -- Guardant Health, Inc. (Nasdaq. GH) today announced the company will be participating in the upcoming Morgan Stanley Virtual Healthcare Conference.Guardant Health’s management is scheduled for a fireside chat on Tuesday, September 15 at 8:45 a.m. Pacific Time / 11:45 a.m.

    Eastern Time. Interested parties may access a live and archived webcast of the presentation on the “Investors” section of the company website at. Www.guardanthealth.com.About Guardant HealthGuardant Health is a leading precision oncology company focused on helping conquer cancer globally through use of its proprietary blood tests, vast data sets, and advanced analytics. The Guardant Health Oncology Platform leverages capabilities to drive commercial adoption, improve patient clinical outcomes and lower healthcare costs across all stages of the cancer care continuum.

    Guardant Health has launched liquid biopsy-based Guardant360® and GuardantOMNI® tests for advanced stage cancer patients. These tests fuel development of its LUNAR program, which aims to address the needs of early stage cancer patients with neoadjuvant and adjuvant treatment selection, cancer survivors with surveillance, asymptomatic individuals eligible for cancer screening and individuals at a higher risk for developing cancer with early detection.Investor Contact:Carrie Mendivilinvestors@guardanthealth.comMedia Contact:Anna Czenepress@guardanthealth.comCourtney Carrollcourtney.carroll@uncappedcommunications.com Source. Guardant Health, Inc.COVID-19 diagnostic expands testing supply, protects the continuity of essential cancer work at Guardant Health, and helps with reopening at Delaware State UniversityREDWOOD CITY, Calif., Aug. 24, 2020 (GLOBE NEWSWIRE) -- Guardant Health, Inc.

    (Nasdaq. GH) announces that the U.S. Food and Drug Administration (FDA) has granted the Guardant-19 test emergency use authorization (EUA) for use in the detection of the novel coronavirus, SARS-CoV-2. The test is being offered to Guardant Health employees and select partner organizations through the company’s CLIA-certified clinical laboratory.The Guardant-19 test is a reverse transcriptase polymerase chain reaction next generation sequencing (rt-PCR-seq) test that detects coronavirus SARS-CoV-2 nucleic acid from upper respiratory nasal specimens including nasopharyngeal swabs, oropharyngeal swabs, nasal swabs, interior nasal swabs, mid-turbinate nasal swabs, nasopharyngeal wash/aspirates, nasal aspirates, and nasal washes.

    The test has a validated limit of detection (LoD) of 125 copies per mL and results are typically returned the next day. The heavily multiplexed testing workflow used has the ability to scale to over 10,000 tests per day.“While serving cancer patients remains our top priority, we are proud to be able to leverage our expertise in liquid biopsy testing to contribute to battling the COVID-19 pandemic by offering a highly accurate test that is truly additive to the testing options available today,” said AmirAli Talasaz, Guardant Health president. €œSince the beginning of the pandemic we believed it was our social responsibility to not only protect the health and safety of our employees, but to also help our greater community with return to work and school initiatives. It gives me great pride knowing that Guardant Health is able to deliver.”The Guardant-19 test is being used to help Delaware State University, a Historically Black College &.

    University, in its efforts to reopen safely. €œGuardant is providing us with an innovative testing technology to help protect the safety of our entire campus community,” said Tony Allen, president of Delaware State University, which is being advised by nonprofit Testing for America on its reopening plans.“Our mission is to permanently and safely reopen schools, business and the US economy by providing affordable, accessible and frequent testing and screening. We believe that a testing option like the one provided by Guardant Health can help achieve the highly accurate and rapid results at a scale that we need,” said Dr. Joan Coker, surgeon and Advisory Council member of Testing for America.The Healing Grove Health Center in San Jose, California is another partner organization.

    €œWe are thankful for a high-throughput, fast, accurate COVID-19 test from Guardant Health,” said Brett Bymaster, the center’s executive director. €œOur patients are low-income and high risk, and we are seeing a high positivity rate. When we catch these positive cases early, we are possibly saving hundreds of people from getting infected with COVID-19 by ensuring that they quarantine. By working closely with Guardant Health, we have gotten results quickly and have been able to keep our COVID-positive patients recovering at home, limiting the severity of the outbreak in this important community.”To learn more about accessing the Guardant-19 test, email.

    Guardant19support@guardanthealth.com.About Guardant HealthGuardant Health is a leading precision oncology company focused on helping conquer cancer globally through use of its proprietary blood tests, vast data sets, and advanced analytics. The Guardant Health Oncology Platform leverages capabilities to drive commercial adoption, improve patient clinical outcomes and lower healthcare costs across all stages of the cancer care continuum. Guardant Health has launched liquid biopsy-based Guardant360® and GuardantOMNI® tests for advanced stage cancer patients. These tests fuel development of its LUNAR program, which aims to address the needs of early stage cancer patients with neoadjuvant and adjuvant treatment selection, cancer survivors with surveillance, asymptomatic individuals eligible for cancer screening and individuals at a higher risk for developing cancer with early detection.Investor Contact:Carrie Mendivilinvestors@guardanthealth.comMedia Contact:Anna Czenepress@guardanthealth.comCourtney Carrollcourtney.carroll@uncappedcommunications.com Source.

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    A strict permit system is in place for all flights arriving in NSW from Victoria and passengers undergo comprehensive police long term effects of aciphex and health checks upon arrival. Health Minister Brad Hazzard said all flights are met by NSW Health staff and police officers to ensure anyone entering NSW complies with the current health orders. “There are only long term effects of aciphex limited reasons anyone from Victoria should be entering NSW and people have been turned back despite being allowed on the plane in Melbourne,” Mr Hazzard said. €œVictorian residents are not permitted into NSW at all unless they are needed for specific purposes and even then have to apply for and get a permit. €œWe are constantly reviewing the situation in Victoria and will adjust the health orders as necessary to protect the people of NSW.” Anyone who flies into NSW from Victoria must either be a NSW resident or have a relevant permit that allows entry into NSW – that can include:defence officialsdoctors and nursescritical workers in energy, mining and constructionchild protection workersdisability workers.All travellers are long term effects of aciphex provided with a pack of two masks and hand sanitiser by the airlines.

    Upon arrival into NSW all passengers from Victoria are. given masks if they left them on the planetemperature checkedasked relevant questions about their health. And their permit is checked to ensure it complies with the strict permit system.Anyone without a valid permit is referred to NSW Police and taken long term effects of aciphex to the Special Health Accommodation to complete 14 days of quarantine. Strict instructions and rules are in place for those going into ‘Home Isolation’ including. Recommended they be collected in a private car by family or friendsnot to use public transport to get hometo only sit in the back seat of a car with long term effects of aciphex the windows open and air conditioning not on recirculationtold to wear their face masks and observe hand hygiene recommendations, andcalled to make sure they arrive home.NSW Health is provided the contact details of everyone who enters NSW from Victoria.

    NSW Police is conducting regular compliance checks for people told to go into ‘Home Isolation’ as well as responding to reports from the community in relation to suspected breaches. Over the weekend, NSW long term effects of aciphex Police visited almost 600 homes to check that those that were meant to be self-isolating were doing so. In addition to that, over the same period NSW Police received 374 calls to Crime Stoppers reporting suspected breaches of the health orders, the majority of which were for people suspected of not following self-isolation rules. ​Seven cutting-edge NSW research projects have been awarded almost $15 million in NSW Government grants to improve the health of people with spinal cord injuries (SCI).Treasurer Dominic Perrottet and Minister for Health and Medical Research Brad Hazzard today announced the grants at the opening of the Neuroscience Research Australia (NeuRA) Spinal Cord Injury Research Centre at Randwick where three of the projects will be carried out. €œThe investment of long term effects of aciphex close to $15 million over four years was a centrepiece of our last Budget and it’s exciting to see the range of research projects now underway,” Mr Perrottet said.

    €œThis is about improving the health and wellbeing of people with spinal cord injuries, and these projects could help people not just in NSW but right around the world.” Minister Hazzard said every one of the innovative projects holds tremendous promise to improve treatment for people living with spinal cord injuries, giving back muscle function, sense of touch and other abilities that most of us take for granted. €œA spinal injury brings very substantial life challenges, but advances in research now mean survivors can have a better quality of life – and even the hope of a long term effects of aciphex cure,” Mr Hazzard said. €œThese projects have great scope, from investigating ways to restore touch sensation through immersive virtual reality through to using electrical stimulation to improve breathing for people affected by the most severe form of paralysis.” The following grant recipients will conduct their research at the new NeuRA centre. Associate Professor Sylvia long term effects of aciphex Gustin, The University of NSW, Neuroscience Research Australia – received $2.5 million for her research project on using virtual reality training to restore touch sensation. Professor Jane Butler – Neuroscience Research Australia, The University of NSW, received $1.5 million to develop a treatment to restore voluntary function after spinal cord injury.

    And Dr Euan McCaughey, Neuroscience Research Australia, The University of NSW, received $2.4 million for his research into using muscle stimulation to improve respiratory function for people with tetraplegia. The projects have long term effects of aciphex been awarded through the NSW Government’s Spinal Cord Injury Research Grants program, launched in November 2019, with guidance from an advisory committee of spinal cord injury experts. NeuRA CEO, Professor Peter Schofield, said the range and scope of the funded research projects held exciting promise for health related outcomes. €œNeuroscience Research Australia is long term effects of aciphex at the forefront of spinal cord injury research in Australia. Our new Spinal Cord Injury Research Centre and these research projects will dramatically improve Australia’s understanding of how to best treat people with these life-long injuries,” Professor Schofield said.

    €œNeuRA thanks the NSW Government for funding the Spinal Cord Injury Research Grants Program, and SpinalCure Australia for its tireless efforts in campaigning for more research funding to improve the quality of life for people with a spinal cord injury.” Information on grant recipients and their research projects is available on the OHMR Funded Research Directory​​.​​​.

    A strict permit system is in place for all flights arriving in NSW from Victoria and passengers undergo comprehensive police and can i buy aciphex online health checks upon arrival. Health Minister Brad Hazzard said all flights are met by NSW Health staff and police officers to ensure anyone entering NSW complies with the current health orders. “There are only can i buy aciphex online limited reasons anyone from Victoria should be entering NSW and people have been turned back despite being allowed on the plane in Melbourne,” Mr Hazzard said. €œVictorian residents are not permitted into NSW at all unless they are needed for specific purposes and even then have to apply for and get a permit. €œWe are constantly can i buy aciphex online reviewing the situation in Victoria and will adjust the health orders as necessary to protect the people of NSW.” Anyone who flies into NSW from Victoria must either be a NSW resident or have a relevant permit that allows entry into NSW – that can include:defence officialsdoctors and nursescritical workers in energy, mining and constructionchild protection workersdisability workers.All travellers are provided with a pack of two masks and hand sanitiser by the airlines.

    Upon arrival into NSW all passengers from Victoria are. given masks if they left them on the planetemperature checkedasked relevant questions about their health. And their permit is checked to ensure it complies with the strict permit system.Anyone without a valid permit is referred to NSW can i buy aciphex online Police and taken to the Special Health Accommodation to complete 14 days of quarantine. Strict instructions and rules are in place for those going into ‘Home Isolation’ including. Recommended they be collected in a private car by family or friendsnot to use public transport to get hometo only sit in the back seat of a car with the windows open and air conditioning not on recirculationtold to wear their face masks and observe hand hygiene recommendations, andcalled to make sure can i buy aciphex online they arrive home.NSW Health is provided the contact details of everyone who enters NSW from Victoria.

    NSW Police is conducting regular compliance checks for people told to go into ‘Home Isolation’ as well as responding to reports from the community in relation to suspected breaches. Over the weekend, NSW Police visited can i buy aciphex online almost 600 homes to check that those that were meant to be self-isolating were doing so. In addition to that, over the same period NSW Police received 374 calls to Crime Stoppers reporting suspected breaches of the health orders, the majority of which were for people suspected of not following self-isolation rules. ​Seven cutting-edge NSW research projects have been awarded almost $15 million in NSW Government grants to improve the health of people with spinal cord injuries (SCI).Treasurer Dominic Perrottet and Minister for Health and Medical Research Brad Hazzard today announced the grants at the opening of the Neuroscience Research Australia (NeuRA) Spinal Cord Injury Research Centre at Randwick where three of the projects will be carried out. €œThe investment of can i buy aciphex online close to $15 million over four years was a centrepiece of our last Budget and it’s exciting to see the range of research projects now underway,” Mr Perrottet said.

    €œThis is about improving the health and wellbeing of people with spinal cord injuries, and these projects could help people not just in NSW but right around the world.” Minister Hazzard said every one of the innovative projects holds tremendous promise to improve treatment for people living with spinal cord injuries, giving back muscle function, sense of touch and other abilities that most of us take for granted. €œA spinal injury brings very substantial life challenges, but advances in research now mean survivors can have a can i buy aciphex online better quality of life – and even the hope of a cure,” Mr Hazzard said. €œThese projects have great scope, from investigating ways to restore touch sensation through immersive virtual reality through to using electrical stimulation to improve breathing for people affected by the most severe form of paralysis.” The following grant recipients will conduct their research at the new NeuRA centre. Associate Professor Sylvia Gustin, The University of NSW, Neuroscience Research Australia – can i buy aciphex online received $2.5 million for her research project on using virtual reality training to restore touch sensation. Professor Jane Butler – Neuroscience Research Australia, The University of NSW, received $1.5 million to develop a treatment to restore voluntary function after spinal cord injury.

    And Dr Euan McCaughey, Neuroscience Research Australia, The University of NSW, received $2.4 million for his research into using muscle stimulation to improve respiratory function for people with tetraplegia. The projects have been awarded through the NSW Government’s Spinal Cord Injury Research Grants program, launched in November 2019, with guidance from an advisory committee of spinal can i buy aciphex online cord injury experts. NeuRA CEO, Professor Peter Schofield, said the range and scope of the funded research projects held exciting promise for health related outcomes. €œNeuroscience Research Australia can i buy aciphex online is at the forefront of spinal cord injury research in Australia. Our new Spinal Cord Injury Research Centre and these research projects will dramatically improve Australia’s understanding of how to best treat people with these life-long injuries,” Professor Schofield said.

    €œNeuRA thanks the NSW Government for funding the Spinal Cord Injury Research Grants Program, and SpinalCure Australia for its tireless efforts in campaigning for more research funding to improve the quality of life for people with a spinal cord injury.” Information on grant recipients and their research projects is available on the OHMR Funded Research Directory​​.​​​.

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