►
Description
No description was provided for this meeting.
If this is YOUR meeting, an easy way to fix this is to add a description to your video, wherever mtngs.io found it (probably YouTube).
A
Able
to
afford
and
I
also
mean
perhaps
the
most
important
piece
folks
with
a
quality,
affordable,
Medigap
plan.
Don't
have
to
spend
the
remaining
months.
The
remaining
days
focused
on
fighting
Insurance,
fighting
red
tape
and
worried
staying
up
at
night
about
the
mountain
of
medical
debt
they're
going
to
leave
behind
that
they
instead
get
to
focus
their
last
months
and
days
on
their
families
on
their
friends
on
the
things
that
are
really
truly
important.
A
So
Elizabeth
went
through
a
lot
of
the
details
of
this
plan
and
I'm
not
going
to
rehash
those
points,
but
there
are
a
couple
additional
angles:
I
would
like
to
to
bring
up
one.
You
know,
as
Elizabeth
mentioned,
the
projected
cost
of
this
on
the
entire
Medigap
population
is
very
small,
I
believe
it's
0.9
percent
and
that
should
be
taken
in
context
every
year,
on
average
Medigap
plans
here
in
Kentucky
go
up
by
somewhere
between
three
to
four
to
six
to
eight
percent.
A
It
just
kind
of
depends
year
in
year
by
year
and
plan
by
plan
and
I
know
this,
because
I
reached
out
to
a
insurance
broker
and
asked
price
Histories
on
some
of
the
major
Medigap
plans.
Here
in
Kentucky
and
I'll
tell
you
I'm
reading
down
the
list,
and
this
is
information
that
should
be
in
your
packet.
In
my
written
testimony,
you
can
see
that
some
plans
Aetna,
for
instance
in
2019.
A
They
went
up
nine
percent
2020,
six
percent
2021
8
2022,
just
two
percent,
so
that's
pretty
good
other
plans
guaranteed
trust
for
the
last
four
years
has
gone
up
by
double
digits
every
year.
So,
if
we're
talking
about
this
bill
having
an
impact
of
a
0.9
percent,
it
has
to
be
taken
in
context
of
the
expected
premium
increases
which
are
regularly
rolling
down
the
road
and
that
brings
up
another
Point
there's
an
element
in
this
bill
that
would
allow
kentuckians
on
Medigap
to
switch
carriers,
not
switch
plans.
A
A
It
does
not
allow
for
increasing
your
level
of
care
so
that
you
can't
delay
paying
for
insurance
you're
going
to
need,
but
it
does
create
a
market
incentive
for
insurers
to
keep
their
plans
low
and
gives
kentuckians
freedom
to
move
within
different
different
insurance
carriers.
And,
finally,
I
want
to
bring
up
some
comments
that
I
received
via
email
and
then
last
night,
over
the
phone
from
a
woman
named
Katie
Adams
Katie
is
a
39
year
old,
single
mother
of
two
living
in
Henderson
Kentucky.
A
She
spent
her
career
as
an
occupational
therapist,
and
this
past
October.
She
was
diagnosed
with
ALS
now
during
her
career.
She
spent
her
time
dealing
with
insurers,
often
for
her
patients
that
she
was
helping
as
an
occupational
therapist.
She
says
it
has
now
become
her
full-time
job.
Her
full
statement,
which
is
a
couple
of
pages
long,
should
be
in
your
packet,
but
I
do
want
to
read
a
few
of
her
words
to
you,
because
I
think
they're
just
that
important,
and
these
are
in
in
Katie's
words.
A
Now
I
was
diagnosed
with
ALS
on
October
28
2022.
As
you
can
imagine,
my
life
has
been
completely
turned
upside
down.
I
want
to
focus
on
the
life,
I
have
left
and
living
it.
Unfortunately,
having
to
deal
with
insurance
battles
has
become
my
full-time
job.
I
have
spent
much
time
and
energy
on
dealing
with
and
figuring
out
insurance.
Instead
of
spending
time
with
my
loved
ones
and
enjoying
what
time
I
have
left.
Please
I
am
begging.
A
You
please
consider
changing
the
regulations
that
are
in
place
that
prevent
kentuckians,
especially
those
disabled
and
under
the
age
of
65,
from
having
better
options
for
supplemental
insurance,
programs
and
I
was
talking
to
Katie
last
night.
She
said
she
would
be
watching
today,
I'm
going
to
let
her
know
how
this
hearing
goes.
I
really
hope
we'll
have
your
support
for
this
Bill.
Thank
you
very
much.
B
Thank
you.
Thank
you
to
each
of
you.
We
do
have
others
that
when
we
come
and
speak
and
testify
for
and
one
who
opposes,
but
before
this
panel
steps
away,
representative
Bray
has
a
question.
C
Thank
you
all
I,
remember
the
bill
from
last
year
and
obviously
a
lot
a
lot
of
it's
changed.
This
is
something
that
has
personally
affected
my
family.
Like
I
mentioned
last
year,
my
dad
gave
a
kidney
to
my
aunt,
who
was
in
renal
failure,
so
I
so
I'm
very
sympathetic
to
it.
I
guess
my
question
has
to
deal.
You
know
one
of
the
issues
I
had
with
the
bill
last
year
was
you
could
renew
after
the
age
of
65
and
and
do
I
understand
it
correct
that
you
all
have
removed
that
portion.
E
So
that's
in
that's
in
a
rule
for
individuals
who
are
over
the
age
of
65
and
like
Alex
explained
they
have
an
opportunity
around
for
a
short
period
of
time,
guaranteed
issue
around
their
birthday
where
they
can
change
insurance
companies,
but
they
have
to
stay
with
the
same
lettered
plan
and
that
provision
is
in
there
so
that
so
that
kentuckians
can
find
an
insurer
that
those
premiums
better
fit
with
their
financial
situation.
Okay,.
C
And
then
kind
of
on
the
the
I
guess
it's
the
health
mandate
or
the
the
the
impact
and
the
Actuarial
Finance
statement.
You
know
we,
we
don't
have
that
I
know.
Last
year
in
the
bill
it
was
indeterminable
what
the
cost
of
the
bill
was.
Do
you,
and
you
said
it
would
increase
pot,
possibly
by
one
percent,
and
you
had
mentioned
I'm.
Sorry,
I
didn't
catch
your
name,
but
you
had
mentioned
that
you
had
the
Actuarial
Actuarial
statements.
Yes,
what
so
one
percent?
A
And
it's
worth
noting
that
folks
on
Medigap
pay
for
their
own
coverage.
These
are
not
State
dollars.
These
are
not
federal
dollars.
These
are
private
dollars
from
the
folks
who
are
being
insured,
and
it's
also
worth
noting
that
we
can
be
confident
in
this
bill
because
it's
already
on
the
books
in
14
States.
This
is,
as
Road
tested
a
policy
as
you're
going
to
find.
This
isn't
something
we
think
will
work.
This
is
something
we
know
works.
F
Thank
you,
Mr
chairman.
Thank
you,
rep
Moser,
for
bringing
this
bill
I.
Remember
you
and
I
worked
on
this
together
last
year
and
brought
this
before
the
committee
and
same
folks
came
and
testified
for
it.
I
was
originally
I
was
originally
hoping.
It
would
be
broader
regulation
of
the
of
the
Medigap
so
that
it
would
benefit
older
kentuckians
as
well,
but
I
still
appreciate
this
bill.
I.
Remember
that
it
passed
I.
F
Think
unanimously
did
you
say
out
of
this
committee,
and
then
it
was
referred
back
to
Banking
and
insurance
as
I
recall
and
I
had
a
really
unusual
experience
in
the
hour
or
so
before
this
meeting
today
and
I
thought
it
was
worth
mentioning
where
I
talked
to
two
different
lobbyists,
who
told
me
very,
very
different
information,
and
so
I
heard
from
one
lobbyist
that
this
would
cost
older
kentuckians
an
additional
twelve
hundred
dollars
a
year
on
their
policies
or
would
like
you
know,
could
could
very
well.
F
I
was
also
told
that
only
three
states
had
this
on
their
books
and
it
had
made
significant
changes
and
then
I
spoke
with
Elizabeth,
who
shared
the
information
that
you've
just
shared
here
so
I.
Honestly
in
my
this
is
my
fifth
year
here.
I've
never
had
that
experience
of
right
before
hearing
to
hear
like
wildly
different
facts
and
numbers
and
information,
so
it
was
troubling
I.
Remember
the
discussions
we
had
last
year
and
I
was
able
to
meet
with
you
more
at
length
and
it's
you
know
all
coming
back
to
me
now.
F
So
I
do
support
this,
but
I'm
concerned
that
there
are
these
kind
of
wild
disparities
in
the
information.
That's
being
shared
and
I
would
hate
to
see
this
meet
the
same
fate
that
it
did
last
year
where
you
know
we
pass
it
and
then
it
goes
somewhere
to
die.
So
I
I
don't
know
what
we
do
about
that
I'm.
Just
sharing
that
observation,
but
I
will
be
voting
yes
on
this
today.
D
Thank
you.
Thank
you
for
that
information.
Rep
Wilner
I,
appreciate
that
we
have
asked
all
of
the
health
plans
for
data
around
this
and
have
not
received
any
to
date.
I
we
I
did
see
ahip
sent
out
late
last
night.
I
think
it
was
about
midnight
that
I
was
reading
it
about
200
pages
of
of
data
that
that
really
didn't
address
just
this
issue.
D
It
was,
it
was
very
broad,
so
we've
asked
to
hone
in
on
that
that
data-
and
perhaps
they
have
come
today
with
something
I
haven't
heard,
but
these
are
all
studies
which
have
been
done
that
are
specifically
addressing
this
very
issue
and
the
exact
same
legislation
that's
been
passed
in
other
states.
So
thank
you.
Thank
you.
B
B
G
G
So
we
appreciate
the
opportunity
to
be
here
today
in
addition
to
what
ahip
may
have
sent
last
night.
We
also
sent
a
copy
of
the
letter
that
we
shared
with
chair
Mosher
to
members
of
the
committee,
and
you
should
have
that.
We
look
forward
to
the
opportunity
to
help
provide
some
additional
clarification
today,
because
we
do
believe
that
this
bill
could
shift
cost
to
senior
citizens
with
that
Scott
I'll
turn
it
over
to.
H
You,
yes,
thank
you
a
couple
of
preliminary
comments
and,
and
yes,
we
have
worked
with
the
plan
sponsor
and
a
couple
of
the
concerns
that
I
registered
last
year
on
House
Bill
430
have
been
addressed
so
I
appreciate
the
assistance
and
cooperation
of
the
chair
of
this
Committee
in
helping
to
shape
the
bill
in
ways
that
I
think
is
very
beneficial.
There
are
two
parts
to
this
bill:
I'd
like
to
speak
to
both
parts.
The
first
part
does
affect
the
non-age
eligible
Medicare
beneficiaries,
particularly
it's
to
proponents
that
testified.
H
The
proponents
acknowledge
that
there
is
a
shifting
of
cost,
because
there
will
be
a
discrepancy
between
the
the
costs
associated
with
these
individuals
and
the
premiums
they
pay
in
the
Mets
up
Market.
As
a
preliminary
matter,
the
the
med
sub
Market
in
Kentucky
works
extremely
well.
We
have
54
insurers
who
are
authorized
to
offer
Med
sub
policies
in
the
State,
offering
hundreds
of
policies
there's
225
000
kentuckians
of
age
eligible
who
have
met
some
policies,
so
we
have
a
significant
percentage
of
our
population
to
participate
in
this
market
segment.
H
H
As
you
all
know,
you
are
the
ultimate
policy
making
institution
in
the
state.
You're
asked
to
make
hundreds
of
policy
decisions
every
year.
This
is
one
of
them.
There
are
costs
associated.
There
is
a
discrepancy
between
the
the
premiums
that
would
be
charged
and
the
costs
associated
with
providing
appropriate
Health
Care
to
this
population,
the
end
stage,
renal
disease
and
ALS
population.
Those
costs
may
be
absorbed
by
the
plans
they
may
be
passed
on
to
the
age
eligible
Medicare
beneficiaries.
H
225
000
represent
correctly
noted.
There
is
no
Financial
impact
statement
associated
with
this
legislation
prepared
by
the
Kentucky
Department
of
Insurance.
There
are
all
sorts
of
figures
if
you
accept
the
the
figures
offered
by
the
proponents
at
two
dollars
per
month:
additional
cost
to
the
age
eligible.
That's
24
a
month
times,
225
that's
5.4
million
dollars,
so
there
are
costs
and
cost
shifting
Associated.
H
H
The
the
second
part
of
the
bill
is
What's
called
the
birthday
Rule
and
six
states
have
adopted
this.
The
birthday
rule,
California,
Oregon,
Idaho,
Nevada,
Louisiana
and
Illinois.
So
you
have
blue
states
red
States,
purple
States,
what's
interesting
is
is
the
birthday
rule
is
essentially
a
form
of
guaranteed
issue.
As
we
all
know,
the
Affordable,
Care,
Act
or
otherwise,
known
as
Obamacare,
has
a
couple
of
central
components,
two
of
which
are
guaranteed
issue
and
Community
rating.
H
H
So,
in
essence,
what
house
bill
345
does
is
basically
kind
of
expand
Obamacare
into
Kentucky
by
adding
this
guaranteed
issue
rule
in
the
midst
of
Market
segment.
I
have
done
and
again
there's
no
Financial
impact
statement.
So
I,
don't
know
the
position
of
DOI
I
have
done
extensive
research
trying
to
find
credible
sources
of
information
upon
which
I
could
perhaps
form
reason
opinions
as
to
the
probable
Financial
consequences
of
adopting
the
birthday
Rule
and
incorporating
in
the
incorporating
it
into
the
Kentucky
meds
up
Market
segment
I
couldn't
find
it
I
think
so.
H
I
suspect
that
there
will
be
winners
and
losers
by
adopting
and
incorporating
the
birthday
row
into
this
Market
segment
in
Kentucky,
but
I
I
just
simply
do
not
have
information,
nor
apparently
does
our
department
of
insurance
in
terms
of
of
estimates,
of
the
financial
impact
of
the
birthday
rule.
With
that
entertaining
questions
from
the
committee.
I
And
Mr
chairman,
it's
a
awful
Pleasant
to
have
Scott,
do
all
my
talking
for
me
because
he
did
I
I
have
no
Echoes
other
than
we
were
going
to
hit
the
premiums
and
the
cost
sharing
aspect
of
it.
The
email
that
was
sent
to
you
by
me
yesterday
at
6
30..
It
should
have
only
been
three
pages.
I
hope,
I
didn't
put
too
much
in
there
that
wasn't
related,
but
I'm
here
to
answer
any
questions
on
that
and
if
I
can't
answer
them,
I'll
get
you
the
answers.
H
I
I,
don't
I,
don't
know
it's
it's
it's
been
adopted
in
Six,
States
and
then
Missouri
has
been
referenced.
They
have
What's
called
the
anniversary
anniversary
rule,
which
is
essentially
the
birthday
rule.
They
simply
provide
this.
This
ability
to
shift
insurers
upon
the
anniversary
of
first
enrolling
in
Medicare,
so
it's
essentially
the
same
but
but
representative
I,
don't
know
who
first
wrote
it,
but
it
is
a
form
of
guaranteed
issue.
Thank
you.
Thank
you.
Mr
chairman.
J
Hot,
so
you
said:
if
we
accept
the
data
from
the
proponent,
so
I'm
sure
you've
seen
the
same
data
that
I've
seen
that
looks
at
the
other
states
and
looking
like
we've
talked
about
Missouri
I
mean
I'm
looking
at
their
change
from
after
they
implemented
this
and
from
so
from
2007
to
2010
a
2.9
change.
In
that
same
time,
Kentucky
had
a
2.4
percent
change,
an
increase.
So
why
do
you
not
accept
that
data.
H
Well,
I
I,
I,
I
I
I
said
that
the
proponents
suggested
that
the
impact
would
be
two
dollars
per
month
per
member,
which
is
24
a
year
and
we
have
225
000
age
eligible
roughly
age
eligible
Kentucky.
So
I
do
accept
the
data
in
terms
that
to
offer
to
this
committee
that
if
you
do
the
multiplication,
that's
5.4
million
of
basically,
you
know
cost
shifting
from
one
discrete
population
to
a
much
larger
population.
The
age
eligible
which
is
the
225
000.,
so
I
accept
that
and
I
don't
have
data
to
to
counter
that.
H
So
I'm
going
to
accept
that,
but
the
point
I'm
making
and
for
the
benefit
of
this
committee,
so
you
can
make
fully
informed
decisions,
is
it
this
is
a
form
of
cost
shifting
and
so
you're
shifting
costs
from
a
a
population
that
was
suggested
to
be
roughly
1500
kentuckians
to
a
population
of
225
000
kentuckians.
It's
it's
a
form
of
cost
shifting
and
that's
for
the
committee
to
to
consider
in
terms
of.
J
H
Yes,
they
do
because
of
age
you're
allowed
to
as
you
age
in
once,
you've
enrolled
in
in
a
med
sub
policy,
the
premiums
you
tend
to
go
up
because
of
age
and.
K
G
Have
one
comment
chair
Dodson:
we
have
had
the
discussion
on
14
States
versus
three
states,
the
issue
that
we
have
and
I
believe
it's
the
guaranteed
issue
component,
which
would
be
the
exact
same
language
from
the
bill.
It's
our
understanding.
There
are
three
states
that
have
that
and
I
think
it's
Connecticut
Maine
and
New
York
versus
in
our
research.
When
we
were
trying
to
look
specifically
at
Missouri
and
reaching
out
to
our
colleagues
there
we
couldn't
find
there
may
be
legislation
running
this
year,
but
we
could
not
find.
B
D
If
I
could
just
quickly
make
a
quick
comment
about
the
cost
shifting,
it's
interesting
to
think
about
that,
because
if
we're
talking
about
five
million
dollars
in
in
being
shifted
to
this
225
000
member
pool
I
think
we
should
also
discuss
the
possibility
of
these
members
spending
down
their
assets
and
going
on
to
Medicaid
at
18
000
per
year
times.
D
D
What
and-
and
you
know,
I
I
think
that
we
want
to
make
sure
that
we're
providing
care
and
to
these
individuals
who
have
significant
disabilities
and
debilitating
diseases
ALS
and
end-stage
renal
disease
who
are
trying
to
live
their
life
for
the
short
time
that
they
have
left
and
not
be
a
complete
burden
to
their
families
or
to
taxpayers
so
they're,
paying
their
premiums.
These
we're
not
asking
for
the
state
to
pay
their
premiums,
we're
allowing
the
insurers
to
allow
them
to
have
this
coverage.
So
that's
all
I'll
leave
you
with
great.
B
H
L
I
B
Know
this
is
not
only
a
good
piece
of
legislation,
but
when
it
hits
really
home
to
you,
my
neighbor
Bill
Thierry
over
the
last
few
months
has
been
diagnosed
with
ALS,
a
very
strong
man,
a
man
that
helped
me
take
care
of
my
property
and
just
a
wonderful
man
and
to
see
his
Decline
and
to
see
what
he's
dealing
with
and
what
his
family's
going
through
and
how
this
piece
of
legislation
could
help
him.
It
will
be
very
impactful,
so
I
vote
Yes
for
you
today,
bill
thyron.