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HomeMy WebLinkAboutMINUTES - 10221996 - D2 TO: ' - BOARD OF SUPERVISORS Contra ark .: FROM: PHIL BATCHELOR, COUNTY ADMINISTRATOR '� s Costa o.,�. '�• *v��DATE: September 23, 1996 County rt cb"r SU13JECT: ANALYSIS OF PROPOSITIONS 214 AND 216 SPECIFIC REQUEST(S)OR RECOMMENDATION(S)&BACKGROUND AND JUSTIFICATION RECOMMENDATIONS: 1. CONSIDER taking a position on Proposition 214, an initiative statute on the November 5, 1996 ballot, titled the "Health Care Patient Protection Act of 1996", which would provide additional regulations on the health care industry in an effort to protect patients from actions by HMO's and health care insurers which may limit access to needed health care, and which would add additional reporting requirements by health care businesses. 2. CONSIDER taking a position on Proposition 216, an initiative statute on the November 5, 1996 ballot, titled the "Patient Protection Act," which would provide additional regulations on the health care industry in an effort to protect patients from actions by HMO's and health care insurers which may limit access to needed health care, which would add additional reporting requirements by health care businesses, establish a nonprofit public corporation for consumer advocacy, and assess taxes for certain corporate structure changes. CONTINUED ON ATTACHMENT: YES SIGNATURE: RECOMMENDATION OF COUNTY ADMINISTRATOR RECOMMENDATION OF BOARD COMMITTEE APPROVE OTHER SIGNATURE(S): ACTION OF BOARD ON October 1, 996 APPROVED AS RECOMMENDED OTHER X A Board Position on Proposition 214 failed to receive a majority vote. NO ACTION TAKEN ON THIS MATTER. VOTE OF SUPERVISORS 1 HEREBY CERTIFY THIS IS A TRUE UNANIMOUS(ABSENT ) AND CORR COPY OF AN ACTION TAKEN AYES: NOES: AN ERED ON THE MINUTES OF THE BOARD ABSENT: ABSTAIN: SUPERVISORS ON THE DATE SHOWN. ATTESTED Contact: PHIL BATC R,CLERK OF THE BOARD OF CC: SUPERVISORS AND UNTY ADMINISTRATOR County Admi ator Health ices Director BY DEPUTY BACKGROUND: On September 10, 1996, Supervisor Rogers presented to the Board a report calling for a support position on Proposition 214. The Board referred this report back to staff and requested that the County Administrator and Health Services Director return to the Board with a staff analysis on both Propositions 214 and 216, which are similar in many respects. This report responds to that request from the Board of Supervisors. Background on Health Care Spence The Legislative Analyst, in her analysis of both Proposition 214 and Proposition 216, provides the following background summary of health care spending. "Annual spending on health care in California totals more than $100_billion. About two-thirds of this cost is covered by various forms of health insurance, with the remainder paid by other sources. Roughly 80 percent of all Californians are covered by health insurance. Specifically: • About half receive health insurance through their employer or the employer of a family member. • Roughly 20 percent are covered by two major government-funded health insurance programs: the federal Medicare Program, primarily serving persons aged 65 and older,and the Medi-Cal Program,jointly funded by the federal and state governments, serving eligible low-income persons. • About 10 percent of Californians directly purchase health insurance. "Until recently, spending on health care had been growing much faster than inflation and population changes. During the 1980s, for example, average health care spending in the United States grew by almost 11 percent annually after adjusting for inflation and population. Since 1990, however, this rate of growth has slowed to about 4 percent annually." The Legislative Analyst goes on to comment on the role Health: Maintenance Organizations (HMO's) have played in reducing health care costs through capitation and other incentives, utilization review, and by moving more procedures from an inpatient to an outpatient venue. The Legislative Analyst also comments on the role of the State in regulating health care facilities, health plans and health insurance providers. Attorney General's Description of Proposition 214: The Attorney General's summary of Proposition 214 notes that the measure does the following: • Prohibits health care businesses from: discouraging health care professionals from informing patients or advocating for treatment; offering incentives for withholding care; refusing services recommended by licensed caregivers without examination by the business's own professional. • Requires health care businesses to: make tax returns and other financial information public; disclose certain financial information to consumers including administrative costs; establish criteria for authorizing or denying payment for care; provide for minimum safe and adequate staffing of health care facilities. -2- • Authorizes public/private enforcement actions. Provides penalties for repeated violations. Defines "health insurer." t� Attorney General's Description of Proposition 216• The Attorney General's summary of Proposition 216 notes that the measure does the following: • Prohibits health care businesses from: discouraging.health care professionals from informing patients/advocating .for treatment; offering incentives for withholding care; refusing services recommended by licensed caregiver without examination by business's own professional; increasing charges without filing a required statement; conditioning coverage on arbitration agreement. • Requires health care businesses to: make tax returns public; establish criteria written by licensed health. professionals for denying payment for care; establish staffing standards for health care facilities. • Authorizes public/private enforcement actions. • Establishes nonprofit public corporation for consumer advocacy. • Assesses taxes for certain corporate structure changes. Legislative Analyst's Description of Proposition 214: The Legislative Analyst describes the major provisions of Proposition 214 as follows: "This measure establishes additional requirements for the operation of health care businesses. The measure: • Prohibits health care businesses from denying recommended care without a physical examination. • Requires the state to set more comprehensive staffing standards for more types of health care facilities. • Prohibits health care businesses from using financial Incentives to withhold medically appropriate care. • Increases protections for certain health care employees and contractors. • Requires health care businesses to make various types of information available to the public. "The measure's provisions would affect both public and private health facilities. However, it is not clear whether the state's Medi-Cal Program would be considered a 'health care business' subject to the requirements of this measure." Legislative Analyst's Description of Proposition 216: The Legislative Analyst describes the major provisions of Proposition 216 as follows: "This measure imposes new taxes on some health care businesses and individuals, with the revenue dedicated to financing a variety of health care services. It also establishes additional requirements for the operation of health care businesses. The measure: • Impos'es new taxes on health care businesses for bed reductions, mergers, acquisitions, and restructurings; and on certain individuals who receive stock distributions from health care businesses. Provides -3- that revenue from these taxes be spent to administer the measure and to fund specified health care services. • Prohibits health care businesses from denying recommended care without a physical examination. • Requires the state to set more comprehensive staffing standards for all health care facilities within six months. • Prohibits health care businesses from using financial incentives to withhold safe, adequate, and appropriate care. • Increases protections for certain health care employees and contractors. • Requires health care businesses to make various types of information available to the public. • Creates a new public corporation - the Health Care Consumer Association. The association, supported by voluntary contributions deposited.in a new Health Care Consumer Protection Fund, would advocate for the interests of health care consumers. "The measure's provisions would affect both public and private health facilities. However, it is not clear whether the state's Medi-Cal Program would be considered a 'health care business' subject to the requirements of this. measure." Cost to Implement Proposition 214: In regard to the cost of implementing Proposition 214, the Legislative Analyst makes the following comments relating to local governments: "This measure would result in unknown additional costs, probably in the range of tens of millions to hundreds of millions of dollars annually, due to the measure's effects on the state's and local governments' costs of directly operating health programs as well as purchasing health care services. "Counties operate health care programs for people in need who do not qualify for other health care programs such as Medicare or Medl-Cal. These programs also would experience some increase in costs to provide additional examinations and for additional costs of care. These costs are unknown, but probably less than the potential costs to the Medi-Cal Program. "The staffing requirements in this measure could increase the costs of health facilities operated by state and local governments, including . . . county hospitals and clinics. . . . The amount of this potential increase is unknown and could range from minor to significant, depending on the actual staffing standards that are adopted. "Counties spend over$2 billion annually to provide health care to Indigents. In addition to services that they provide directly, counties contract to purchase a significant amount of services. The potential county cost increases could be up to tens of millions of dollars annually, due to the measure's.effects on health care costs generally. "The state currently spends about $900 million annually for health benefits of employees and retirees,and the amount spent by local governments is greater. By increasing health care costs generally, the measure could increase benefit costs to the state and local governments by an unknown amount, potentially in the tens of millions of dollars annually. However, the disclosure of financial information as a result of this measure could assist in negotiating lower rates with health plans, offsetting some portion of these costs." The full text of the Legislative Analyst's analysis of Proposition 214 is attached. -4- Cost to Implement Proposition 216: In regard to the cost of implementing Proposition 216, the Legislative Analyst makes the following comments relating to local governments: "Summary. The most significant fiscal effects of this measure on the state and local governments are summarized below and then discussed in more detail: • Revenues. The measure would result in unknown additional revenues, potentially in the hundreds of millions of dollars annually, from the new taxes on health care businesses, and certain individuals. These revenues would be used to cover the administrative costs of the measure and for expenditure on specified health care services. The measure would also result in a state General Fund revenue loss of up to tens of millions of dollars annually, due to the effect on income taxes. • Costs. In addition to the increased spending funded by the new tax revenues, the measure would result in unknown additional costs, probably in the range of tens of millions of dollars annually. This is due to the measure's effects on the state's and local government's costs of directly operating health programs as well as purchasing health care services. "Counties operate health care programs for people in need who do not qualify for other health care programs such as Medicare or Medi-Cal. These programs also would experience some increase in costs to provide additional examinations and for additional costs of care. These costs are unknown, but probably less than the potential costs to the Medi-Cal Program. "The staffing requirements in this measure could increase the costs of health facilities operated by state and local governments, including . . . county hospitals and clinics. . . The amount of this potential increase is unknown and could range from minor to significant, depending on the actual staffing standards that are adopted. "Counties spend over$2 billion annually to provide health care to indigents. In addition to services that they provide directly, counties contract to purchase a significant amount of services. The potential county cost increases could be up to tens of millions of dollars annually, due to the measure's effects on health care costs generally. "The state currently spends about $900 million annually for health benefits of employees and retirees,and the amount spent by local governments is greater. By increasing health care costs generally, the measure could increase benefit costs to the state and local governments by an unknown amount,;potentially in the tens of millions of dollars annually. However, the provisions that require disclosure of financial data and certification of rate increases (which might discourage such increases) could offset some portion of these costs." Arguments in favor of and against Proposition 214: The argument in favor of Proposition 214 is signed by the Chair,.•State Legislative Committee of the American Association of Retired Persons (AARP); the Executive Director of Children Now; and the Issues Coordinator of the National Multiple Sclerosis Society, California Chapters. The rebuttal to the argument in favor of Proposition 214 is signed by the Legislative Director of the Seniors Coalition; a nurse at Children's Hospital in Los Angeles; and the President of the California Chamber of Commerce. -5- The argument against Proposition 214 is signed by a nurse for Daughter of Charity; a physician in Arcadia, California; and the President of the California Chamber of Commerce. The rebuttal to the argument against Proposition 214 is signed by the President of the Orange County Chapter of the Susan G. Komen Breast Cancer Foundation; the , President of the Alzheimers Association, California Council; and the Vice President of Cure Autism Now. These arguments are attached for the Board's information, along with the full text of the Proposition itself. Arguments in favor of and against Proposition 216: The argument in favor of Proposition 216 is signed by Ralph Nader, Consumer Advocate; a former President of the American Public Health Association; and the President of the California Nurses' Association. The rebuttal to the argument in favor of Proposition 216 is signed by a nurse for Daughter of Charity; an economist with the Pacific Research Institute of Public Policy; and by the Legislative Director, the Seniors Coalition. The argument against Proposition 216 is signed by a nurse for Sisters of Mercy; a physician with Cedars Sinai Health Association; and an economist with the Pacific Research Institute of Public Policy. The rebuttal to the argument against Proposition 216 is signed by Harvey. Rosenfield, Executive Director of the Foundation for Taxpayer and Consumer Rights; a physician who is the founder of the University of California Wellness Letter; and the Co-Chair of the California Committee of Small Business Owners. These arguments are attached for the Board's information, along with the full text of the Proposition itself. -6- 4 Health Care. Consumer Protection. Initiative Statute. Argument in Favor of Proposition 214 The health care industry is changing rapidly, and some of If you get sick,you have a right to know what care you need, those changes could be dangerous to your health.That's why we and you have a.right to get the care your insurance premiums need Proposition 214,the HMO Patient Rights Initiative.All of have paid for. us, especially those of us who depend on health care the You should not have to worry whether your doctor is afraid of most—seniors, cancer patients, adults and children with retaliation for referring you to a specialist or whether nursing disabilities—must be certain that our health insurance will be home aides fear being punished for speaking up for their there when we need it. patients.You should not have to worry that your health plan Proposition 214: could drop your doctor for no reason. • Prohibits written and unwritten gag rules that keep You should not need to be afraid your doctor is being paid a doctors from telling patients about the care they need. bonus for denying you the care you need. • Protects doctors,nurses,nursing home aides,paramedics You should know how much of your insurance premium is and other health care givers.from intimidation when they spent on actual patient care and how much on bureaucratic speak out on behalf of patients. overhead and executive salaries. • Prohibits financial incentives for withholding care Is it important to contain costs to keep health care Suires • ents need. affordable?Yes. insurers to disclose guidelines for den care to give patients a second opinion—iriding a Should cost controls be used as an excuse t6 deny patients the physical oa—before denying care recommended treatments they.need just becanse administrators for HMOs by the patient's doctor. and insurers think it will cost them too much money?Never. • Forces HMOs and insurers to disclose how much they 214 will be enforced by existing agencies, minimizin€ spend on patient care and how much is spent on executive enforcement costs.And those costs are necessary in order V salaries and corporate overhead. make sure the rights of patients are safeguarded. • Requires that hospitals and nursing homes have safe Proposition 214 is a decision about life and death. Pleas( levels of staffing. consider carefully and join us in voting yes on Proposition 214. • Prohibits the sale of your medical records without your MARY TUCKER. permission. '. Chair,State Legislative Committee Wi • Will be enforced by existing state agencies andwithout American Association ofBetired Persons new taxes. LOIS SALISBURY Gag rules on doctors and nurses are wrong.Intimidation of Executive Director,Children Now caregivers is wrong.Bonuses for denying care that people need are wrong. Secret guidelines for denying care are wrong. LAURAREMSONMITCHELL Unsafe staffing in hospitals and nursing homes is wrong. lisues Coordinator;National Multiple Sclerosis It is dangerous for everyone'if HMOs and health insurers SociefA California Chapters worrymore about making-money than they•do about your heawhen they make decisions about your care. RebutW.to Argument in Favor of Proposition 214 PROPOSITION-214, LIKE 216, IS A,COSTLY TROJAN That's why groups like the Seniors Coalition, 60 Ph HORSE. We don't need�special-interest Ballot initiatives to Association and United Seniors Association oppose 214 an "protect~'patients.EIIISTIl�TG LAW ALRF.AD)(.protects patient' 216.•It's why leaders of groups that care for the poor lil advocacy prohibits gag rules• requires.coverage criteria be SISTERS OF MERCY and DAUGHTERS OF CHARPi'Y oppo: develo by physicians;.proviclea'for safe'stafling in hospitals; the initiatives.Andit's why small business and taxpayer grout prohibits paying doctors to deny nobded care;.and prohibits like the CALIFOP IA TAXPAYERS ASSOCIAnON and tl disclosing confidential patient records. NATIONAL TAX LUM ATION.COMMIZTEE.my NO on 2. These provisions.are art of 214 to hide the measure's real and 216. puiposes:to add bloats edstly staffng•requgements,to give Don't be fooled by. special-interest, trojau horse ball special interest job protection to some health care workers,and initiaatryes.VOTE NO. to help trial lawyers file frivolous health care lawsuits. . Proposition 214 DOES NOT provide.health coverage to a GORDON JONES single Californian. It costs'�consumers BILLIONS OF Legislative Director The Seniors Coalition DOLLARS in higher'health insurance.costs while costing MA?<tY.DEE HACKER, R.N. taxpayers HUNDREDS OF ~MILLIONS' more for Childress Hospital,Los Angeles - administration and to cover government workers.Not a penny -of 214 will provide health insurance for the uningured. RMK WEST Real health care reform"should make insurance"more President,California Chamber of Commerce affordable and reduce the number of uninsured.Props.214 and 216 dramatically increase health:insurance costs and will lead to MORE UNINSURED: 56 Arguments printed on this page'are the opinions of the authors and have not been checked for accuracy by any official agency. Health Care. Consumer Protection. Initiative Statute. 21.4 Argument Against Proposition 214 PROPOSITIONS 214 and 216 are two peas in a pod. They DOES PROP. 214 HELP TAXPAYERS?—No. The contain similar language promising bogus health care reforms non-partisan Legislative Analyst says 214 could cost state that will dramatically raise health insurance and taxpayer taxpayers HUNDREDS OF MILLIONS of dollars MORE per costs for consumers and taxpayers in California. year. These higher costs will need to be cut from existing Just ask yourself: programs like law enforcement and education,or TAXES WILL DOES PROPOSITION 214 MAKE HEALTH INSURANCE NEED TO BE RAISED. MORE AFFORDABLE?—No.An independent economic study "According to one expert study, taxpayers in Los Angeles estimates that under 214 insurance premiums could go up by as County alone would to forced taxpayers pay almost much as 15%. That would cost Californians OVER 3 BILLION $60 MILLION more would insure government employees. DOLLARS DOES AR %HIGHER HEALTH COSTS. Taxpayers in every jurisdiction will be hurt by 214." WHAT DOES A 159'o INCREASE IN HEALTH INSURANCE l —California Taxpayer's Association.: DO TO YOUR FAMILY'S BUDGET?For many families,that's t ALMOST, $1,000 PER YEAR. Seniors and people on fixed WHO'S BEHIND 214?The Service Employees International incomes will be hardest hit.That's one reason why groups like Union—a labor union representing health care workers.They'll The SENIORS COALITION and the 60 Plus Association have more workers to unionize under 214.And, 214 provides OPPOSE PROP.214. special interest job protection to certain health care workers. Small business employees are also concerned: . Trial lawyers will be able to file lawsuits over virtually every "I work for a small company struggling to survive. If employment decision involving a health care worker because of health insurance goes up,m employer couldn't afford it, 214' and neither could my family. WHAT'S IN IT FOR THE REST OF US? —Aletha Hill,Camellia City Landscape • • . HIGHER INSURANCE COSTS FOR FAMILIES Management,Sacramento AND SMALL BUSINESSES DOES PROP. 214 HELP THE UNINSURED?—No. Higher • • • MILLIONS IN TAX INCREASES insurance costs will lead to MORE Californians WITHOUT • • • MORE GOVERNMENT BUREAUCRACY INSURANCE. That's why California nurses and physiciansand up to 60,000 LOST CALIFORNIA JOBS oppose 214. California needs health care reform but Proposition 214—like "For the past 20 ears,Pve cared for patients who have no Prop. 216—WILL MAKE THINGS WORSE. That's why a p y p diverse coalition opposes them, including Democrats, health coverage. Proposition 214 means fewer people will Republicans and Independents, seniors, physicians, nurses, have health insurance. That's just what California hospitals, taxpayer groups, small businesses, and local DOESN'T need." government organizations. —Joseph Coulter,M.D.,Yuba City Propositions 214 and 216 are the WRONG SOLUTIONS to DOES 214 HELP THE .POOR AND MEDICALLY California's health care ills. INDIGENT?No.Hospitals that are committed to care for the SISTER CAROL PADIIMA,R.N. poor would be SEVERELY HURT under 214. "Our mission is to provide health care to the poor and Daughter of Charity underserved. Proposition 214 will make it much more RICHARD GORDINIER,bM. difficult to help people in need." Arcadia —Sister Blends O'Keeffe,R.N. BZRS WEST Sisters of Mercy President,California Chamber of Commerce Rebuttal to the Argument Against Proposition 214 Let's be clear.Who opposes 214?The California Association of An independent analysis states that 214's patient protections HMOs and the Association of California Life and Health would increase overall costs by less than 1%. Insurance.Companies. HMOs and insurers plan to spend Opponents try to confuse 214 with Proposition 216. But 4 millions of your insurance premium dollars to defeat 214. Propositions 214 and 216 are NOT"two peas in a pod:" ` The opi)onents call 214's patient pmtections•"bogus". Read • 214-is a simple, effective measure that relies on existing J Proposition 214.Then ask yourself,are its protections'bogus" agencies to implementits patient protections,,minimizing br are they genuine protections patients need? enforcement costs.214 CONTAINS NO NEW TAXES. • Is it"bogus"to protect freedom of speech between patients • 216 lacks some of 214%key patient protections and 216 and doctors? in new.taxes. It Is it"bogus"to make sure medical decisions are made by Please,dhelpes �protecof to patient rights. VOTE YES ON Eand doctors,not by HMO and. insurance company PROPOSITION 214. bureaucrats? • Is it"bogus"to prevent HMOs and insurers from using gag ROBYN WAGNER HOLTZ rules,intimidation, or financial incentives to discourage President,Orange County Chapter, doctors from Eroviding needed care? THE Susan G.Homen Breast Cancer Foundation • Is it "bogus to 'require HMOs and insurers to tell consumers if their insurance premiums are being spent on W.E.(GENE)GIBERSON actual patient care or bureaucratic overhead and executive President.Alzheimers Association,California Council .salaries? JONATHAN SHESTACK Opponents make wildly exaggerated claims about costs, Viae President,Cure Autism Now based"on an"economic study"paid for by their own campaign. G96 Arguments printed on this page are the opinions of the authors and have not been checked for accuracy by any official agency. 57 Access to Information. The measure requires Increased Costs to Government to Purchase private health care businesses with more than 100 Health Care Services employees to make certain types of information available State Medi-Cal Program. The state contracts with to the public regarding staffing, guidelines for care, HMOs and health care networks to serve a portion of the financial data, and the status of complaints against the clients in the Medi-Cal Program. Cost increases to these business. organizations would tend to increase Medi-Cal costs by EFFECT OF THE MEASURE ON THE STATE AND an unknown amount. The state spends about $6 billion LocAL GovERNMENzs annually (plus a larger amount of federal funds) for the Medi-Cal Program, primarily to purchase health care Summary. This measure would result in unknown services. The potential cost increase to the state could additional costs, probably in the range of tens of millions range from a few million dollars to more than one to hundreds of millions of dollars annually, due to the hundred million dollars annually, due to the measure's measure's effects on the state's and local governments' effects on health care costs generally (as described costs of directly operating health programs as well as above). purchasing health care services. County Health Care Costs. Counties spend over Increased Costs to Government to Operate $2 billion annually to provide health care to indigents. In Health Programs addition to services that they provide directly, counties contract to purchase a significant amount of services. Requirement for Physical Examinations. If the The potential county cost increases could be up to tens of Medi-Cal Program is subject to this measure, the eons of dollars annually,*due to the measure's effects requirement for a physical examination prior to denial of on health care costs generally. care would increase state costs by an unknown amount, State and Local Employee Health Insurance potentially exceeding$100 million annually. Costs.. The state currently spends about $900 million Counties operate health care programs for people in annually for health benefits of employees and retirees, need who do not qualify for other health care programs and the amount spent by local governments is greater.By such as Medicare or Medi-Cal. These programs also increasing health care costs generally, the measure could would experience some increase in costs to provide increase benefit costs to the state and local governments additional examinations and for additional costs of care- by an unknown amount, potentially in the tens of These costs are unknown, but probably less than the millions of dollars annually. However,the disclosure of potential costs to the Medi-Cal Program. financial information as a result of this measure could Staffing Requirements. The staffing requirements assist in negotiating lower rates with health plans, in this measure could increase the costs of health offsetting some portion of these costs. facilities operated by the state and local governments, including University of California hospitals, state State Administration and Enforcement Costs developmental centers and mental hospitals, prison and The measure would result in additional costs to the Youth Authority health facilities, state veterans'homes., Departments of Health Services and Corporations and to county hospitals and clinics., and hospitals operated by other state agencies to administer and enforce its hospital districts. The amount of this potential increase provisions(primarily the staffing standards).These costs is unknown and could range from minor to significant, could be roughly$10 million annually, to various special depending on the actual staffing standards that are funds that are supported-by fees imposed on health care adopted: businesses and professionals. For text of Proposition 214 see page 102 G96 55 PROPOSAL facilities that it licenses, such as hospitals, nursing This measure establishes additional requirements for facilities, and certain types of clinics. The Department of the operation of health care businesses. The measure: Corporations would set, and periodically update, staffing • Prohibits health care businesses from denying standards for medical clinics operated by health plans, recommended care without a physical examination. which are not licensed by the DHS. • Requires the state to set more comprehensive The staffing standards required by this measure would staffing standards for more types of health care cover more types of facilities and all licensed and facilities. certified caregivers. In addition, these standards would • Prohibits health care businesses from using have to be based on the specific needs of individual financial incentives to withhold medically patients. Depending on the specific standards adopted, appropriate care. some health care facilities might have to add more staff, • Increases protections for certain health care hire more highly skilled staff, or both. The effect on employees and contractors. overall health care costs could range from minor to • Requires health care businesses to make various significant. types of information available to the public. Financial Incentives. The measure prohibits The measure's provisions would affect both public and insurers, health plans, and other health care businesseE private health facilities.However,it is not clear.whether from offering financial incentives to doctors, nurses, of the state's Medi-Cal Program would be considered a other licensed or certified caregivers if those incentive: "health care business"subject to the requirements of this would deny, withhold, or delay medically appropriate measure. care to which patients are entitled. Restricting financial incentives could increase genera FISCAL EFFECT health care costs by limiting the use of risk pools an(' The fiscal effect of this measure is subject to a great profit-sharing arrangements that encourage providers b deal of uncertainty. The health care industry is large, restrain costs. However,the measure specifically allow. complex, and undergoing rapid change, making it the use of capitation payments. Furthermore, it is no- difficult to estimate the effect of new requirements on the clear whether the measure prohibits any financis overall health care maricetplace.Furthermore, several of incentives that are not already prohibited under federr the measure's provisions could have widely varying fiscal restrictions that apply to providers who serve Medicar effects, depending on. how they are implemented or or Medi-Cal patients. Consequently,the provision's effec interpreted by the courts. on health care costs is unknown, but could range froi minor to significant. EFF=of Tm hbwn RE ox HEALTH Protection for Certain Health Care Professional- CA=Cosrs GENERauy The measure prohibits health'care businesses froi Changes in health care costs have an impact on the attempting to prevent doctors, nurses, and other heals state and local governments because of their role in care professionals from giving patients any informatic directly operating health programs as well as purchasing relevant to.their medical care. The measure alf health care services. The following provisions of this broadens existing protections for health ca; measure would increase health care costs generally. professionals who advocate for.patient care. Physical Examination. . Currently, HMOs,'health In addition,the measure protects doctors, nurses, ai insurers,and other health care businesses may refuse to other licensed or certified caregivers from adver authorize recommended care that they believe to be actions byhealth care businesses--such as firin unnecessar34 unproven,.or more,expensive than an contract termination, or demotion—without'just taus, effective alternative treatment, without physically Examples of just cause include proven malpracti( examining the patient. Patients usually have a right to endangering patients,drug abuse,or economic necessi' appear such.a denial. This.measure requires health Just cause protections currently apply to some heal insurers,health-plans,or other health care businesses to care professionals, such as those who work for pub' physically examine a patient before refusing to approve agencies under civil service and,those who work unr care that.is a covered benefit and that has been labor agreements with just cause provisions.. TI recommended by the patient's doctor or nurse (or other provision of the measure would reduce some employe licensed health professional).The person conducting the flexibility and thereby could increase costs to health cr examination would have to be a licensed health care businesses by an unknown amount. The additional co- ;! professional with the'expertise to evaluate the patient's would include the need to keep records to document i need for the recommended care. basis for actions taken against employees or contract, `i Requiring a physical examination prior to denying care in order to show just cause for the action. would increase general health care costs in two ways. Liability of Health Care Professionals. 1 First, health care businesses would have to add staff to measure specifies that licensed health care profession provide additional examinations. Second, requiring an who set guidelines for care, or determine what c examination probably would result in some approvals of patients receive,shall besubject to the same professio j care that otherwise would be-denied. standards that apply to health care professionals N !i Staffing Requirements. The measure requires that provide direct care to patients. This provision wo all health care facilities provide "minimum safe and increase the risk of malpractice liability for some hey „ adequate"staffing of doctors, nurses, and other licensed care professionals who make decisions affecting pat, or certified caregivers. The DHS would set, and care, but who do not provide direct care. This cc periodically update, staffing standards for health care increase health care costs by an unknown amount. 54 Analysis by the Legislative Analyst 2 BACKGROUND patients, such as a bonus payment for each patient that HEALTH CARE SPENDING is not hospitalized during the year. However, federal law Annual spending on health care in California totals does allow "risk pools" and other types of profit-sharing more than $100 billion. About two-thirds of this cost is arrangements that enable doctors to benefit from covered by various forms of health insurance, with the controlling costs for groups'of patients. remainder paid by other sources. Utilization Review. HMOs—as well as the state': Roughly 80 percent of all Californians are covered by Medi-Cal program and insurers using the fee-for-service health insurance. Specifically: approach—also attempt to contain costs by usin€ • About half receive health insurance through_.their "utilization review"procedures. Under these procedures. employer or the employer of a family memben health plans will not pay for certain types of expensive oI • Roughly 20 percent are covered by two major unusual treatments unless they have approved the government-funded health insurance programs: the treatment in advance. federal Medicare Program, primarily serving persons age 65 or older, and the Medi-Cal Program, CONTROLLING HosPrrAL Cows jointly funded by the federal and state governments, Health maintenance organizations also control their serving eligible low-income persons. costs by reducing their use of hospitals and encouraging • About 10 percent of Californians directly purchase more treatment in doctors'offices and clinics. This trent: health insurance. I has contributed to an excess of hospital beds. Until recently, spending on health care had been On average, about half of the hospital beds ii. growing much faster than inflation and population California were unused in 1994. As a result, somr changes. During the 1980s, for example, average health hospitals have downsized, merged, or closed; and mangy care spending in the United States grew by almost 11 hospitals are seeking ways to reduce costs in order tr Percent annually after adjusting for inflation and compete for business more effectively. Since staffing is . population. Since 1990, however, this rate of growth has major cost, hospital cost control efforts often focus or slowed to about 4 percent annually. reducing staff and using less expensive personnel ii place of more expensive personnel where possible (usin, HEALTH MAINTENANCE ORGANPLATIONS nurses'aides rather than nurses,for example). In part, this slower growth has been due to efforts by employers and government to control their health REGUI.ATION of HEALTH CARE FACILITIES insurance costs. One way they have attempted to hold Licensing of Facilities. The Department of Healf down costs is to contract with health maintenance Services(DHS)licenses many types of health facilities i, organizations (HMOs), which provide health services California,such as hospitals and nursing homes, and ha through their own doctors and hospitals or through general authority to set staffing standards for thos contracts with physicians and hospitals.About one-third facilities. Clinics that are owned and operated directly b of.Californians belong to HMOs. Most of these HMO doctors,however,.are not licensed. members are covered under employee health plans, but Staffing Standards. State regulations generall many persons covered-by Medicare or Medi-Cal also require hospitals to keep staffing records and to bae receive their health care through HMOs. .. their staffing levels.for nurses on an assessment Generally,health coverage provided by an HMO is less patient needs. Hospitals are not required to have expensive than comparable health insurance coverage specified number of nurses per patient, except i provided on a"fee-for-service"basis:Health Maintenance intensive care units.State law requires nursing homes t Organizations use several methodd'to control.costs, such - have at,least-one registergd nurse per shift and ser as•capitation7 payments, other financial incentives, and minimum staffing standards for nurses and nursiL utilization review assistants per.patient.- Capitation and Other Financial Incentives. The DHS is .revising its current,hospital staffir, Under the traditional fee-for-service approach,doctors regulations to cover all departments within each facilit and hospitals charge fees based on the specific service Additionally,the pending regulations require hospitals provided to a patient. By contrast, HMOs generally use establish their staffing needs using a system that mo, capitation to pay doctors. Under this approach, doctors specifically takes into .account the condition of eat receive a fixed .payment for each 'HMO member patient.The DHS also enforces federal requirements th- regardless of the amount of service provided to the health facilities serving Medicare or Medi-Cal patien member. Capitation gives doctors a financial incentive to must have enough staff to provide adequate care. use cost-effective types of care. I;SGUI.ATION OF HEALTH PLANS AND HEALTH INSURANCE In addition to capitation, HMOs use other financial incentives to control health care costs. The federal The state Department of Corporations regulates t; government, however, limits the types of financial financial and business operations of health plan. incentives that may be used by HMOs when serving including HMOs, in California. The Department Medicare or Medi-Cal recipients. Specifically, federal law Insurance regulates companies that sell health insuran Prohibits any financial incentives to doctors that could but do not provide health care themselves, includi, act to reduce medically necessary care to individual workers'compensation insurers. G96 (214 Health Care. Consumer Protection. Initiative Statute. t Official Title and Summary Prepared by the Attorney General HEALTH CARE. CONSUMER PROTECTION. INITIATIVE STATUTE. • Prohibits health care businesses from: discouraging health care professionals from informing patients or advocating for treatment; offering incentives for withholding care; refusing services recommended by licensed caregiver without examination by business's own professional. • Requires health care businesses to: make tax returns and other financial information public; disclose certain financial information to consumers including administrative costs; establish criteria for authorizing or denying payment for care; provide for minimum safe and adequate staffing of health care facilities. • Authorizes public/private enforcement actions. Provides penalties for repeated violations. Defines "health insurer." Summary of Legislative Analyst's Estimate of Net State and Local Government Fiscal Impact: - • Increased state and local government costs for existing health care programs and benefits, probably in the range of tens of millions to hundreds of millions of dollars annually, depending on several factors. 52 4