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New health-insurance mandates for mental health & addiction coverage take effect
Health insurers are facing new mandates for expanded insurance coverage for New Yorkers seeking treatment for mental-health conditions and addiction. In addition to new guidelines for insurers, the New York State Department of Financial Services (DFS) has issued a list of frequently asked questions to help New Yorkers understand their rights under these new requirements, […]
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Health insurers are facing new mandates for expanded insurance coverage for New Yorkers seeking treatment for mental-health conditions and addiction.
In addition to new guidelines for insurers, the New York State Department of Financial Services (DFS) has issued a list of frequently asked questions to help New Yorkers understand their rights under these new requirements, which went into effect on Jan. 1, 2020, the office of Gov. Andrew Cuomo announced.
“These new measures will help ensure people get the help they need and break down some of the most common barriers to treatment by limiting co-pays and educating consumers about the options available to them,” Cuomo said in a statement.
DFS issued guidance explaining insurers’ new responsibilities regarding New Yorkers seeking treatment for mental-health conditions and addiction. These mandates include improved consumer disclosures; limiting the amount of co-pays or coinsurance for outpatient mental-health treatment and treatment for addiction; expanding existing protections related to medical-necessity review of inpatient and outpatient treatment for addiction by health plans; and enacting new prohibitions on preauthorization requirements for certain inpatient mental-health treatment.
DFS also issued guidance advising insurers that they must cover costs associated with medically necessary peer-support services as part of outpatient addiction treatment programs authorized by the Office of Addiction Services and Supports.
Addiction mandates
New requirements related to addiction prohibit preauthorization or concurrent review during the first 28 days of an inpatient admission for addiction treatment and during the first four weeks of outpatient treatment for addiction treatment.
They also require policies that cover prescription drugs for addiction treatment to provide immediate access to such drugs without prior authorization.
In addition, the requirements prohibit large group policies from imposing co-pays or coinsurance that exceed those of a primary-care office visit for addiction treatment. They also limit co-pays to one co-pay per day for all services provided in a single day by addiction-treatment facilities.
Mental-health condition requirements
New mandates related to mental-health conditions have insurers and utilization-review agents using evidence-based and peer-reviewed clinical-review criteria appropriate to the patient’s age. The criteria is also approved by the commissioner of the Office of Mental Health in consultation with the commissioner of Health and the Superintendent of Financial Services.
The new requirements also prohibit insurers from imposing co-pays or coinsurance for outpatient mental-health treatment in authorized facilities that exceeds those of a primary care office visit.
They also prohibit preauthorization or concurrent review during the first 14 days of an inpatient admission for treatment of a mental-health condition for patients under age 18.
In addition, they ensure clinical peer reviewers have experience in delivering mental-health treatment.
Updating New York law
New requirements also update New York law to have insurers provide consumers the most recent comparative-analysis performed to assess the provision of covered services in accordance with the “Mental Health Parity and Addiction Equity Act of 2008.”
DFS says it will be prepared to investigate insurers’ compliance with the new requirements, including market-conduct examinations.

Survey finds differences between HDHP, traditional health-plan enrollees
The percentage of the population with a high-deductible health-care plan (HDHP) has continued to rise, according to a new survey report. In 2019, 15 percent of privately insured adults had a plan that was associated with either a health reimbursement arrangement (HRA) or health savings account (HSA), collectively known as consumer directed health plans (CDHP).
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The percentage of the population with a high-deductible health-care plan (HDHP) has continued to rise, according to a new survey report.
In 2019, 15 percent of privately insured adults had a plan that was associated with either a health reimbursement arrangement (HRA) or health savings account (HSA), collectively known as consumer directed health plans (CDHP). The figure is up from 14 percent in 2018 and 13 percent in 2017, per the survey data.
At the same time, another 13 percent had a high-deductible health plan that was not associated with either an HRA or HSA. That number is up from 11 percent in both 2018 and 2017.
The numbers come from the annual Consumer Engagement in Health Care Survey (CEHCS). The Employee Benefit Research Institute (EBRI), a private, nonpartisan, nonprofit research group, and Greenwald & Associates, a full-service market research firm, released the survey report on Dec. 20. Both EBRI and Greenwald & Associates are based in Washington, D.C.
CEHCS is aimed at examining consumer engagement in health care and health-insurance decisions. Now in its 15th year, the annual CEHCS provides “reliable national data on the growth of consumer-driven health plans and high-deductible health plans and their impact on the behavior and attitudes of health care consumers,” according to EBRI.
HDHP vs traditional plans
When it comes to choice of health plan, most people focus on the network of health-care providers, easy access to health care, low out-of-pocket costs, prescription-drug coverage, low premiums, and simple to understand, and specific coverage included in the plan.
The provider network and access to health care were ranked higher in importance than lower cost of premiums or low out-of-pocket costs.
Generally, traditional health-plan enrollees and HDHP enrollees rank these aspects of health care in the same order, with one exception: Traditional plan enrollees report that low out-of-pocket costs for doctors’ visits are more important, EBRI said. Of lesser importance is low cost of premiums when selecting a plan. However, HDHP enrollees report that low premiums are more important than low out-of-pocket costs when selecting a plan.

“It is clear that HDHP enrollees value low premiums over low out-of-pocket costs, while traditional plan enrollees value low out-of-pocket costs over low premiums,” said Paul Fronstin, director of EBRI’s health research and education program and co-author of the report. “It is therefore not surprising that traditional plan and HDHP enrollees behave differently when it comes to their health care.”
Consumers enrolled in an HDHP were more likely than those with traditional health-insurance coverage to say that they had checked whether the plan would cover care or medication; checked the quality rating of a doctor or hospital before receiving care; checked the price of doctor’s visits, medication or other service before receiving care; talked to their doctors about other treatment options and costs; talked to their doctors about prescription options and costs; used an online cost-tracking tool provided by the health plan; and developed a budget to manage health care expenses; or declined a medical procedure because of costs.
In addition, when it comes to prescription-drug use, those in an HDHP were more likely than those with traditional coverage to have asked for a generic drug instead of a brand name or asked their doctor to recommend a less costly prescription drug.
Generational differences
Attitudes toward health care differ by generational cohort as well, the survey found. Baby Boomers were more likely than Generation Xers and Millennials to have a primary care provider.
Baby Boomers are much more likely than Millennials to strongly agree that they are comfortable telling their primary care provider about any health issue that they may have, that it is important that their doctor knows them and their medical history personally, that it’s important that their primary care provider is aware of all of the other medical care that they receive, and that they see their own primary care provider at every visit.
About the survey
The 2019 survey of 2,068 individuals was conducted online using Dynata/ResearchNow’s online research panel between Aug. 26 and Sept. 20, 2019. All respondents were between the ages of 21 and 64, EBRI said.
The national sample is weighted by gender, age, income, ethnicity, education, and region to reflect the actual proportions in the population. The CDHP and HDHP samples are weighted by gender, age, income, and ethnicity.
The survey was underwritten by Benefit Wallet, Blue Cross and Blue Shield Association, HealthEquity, Inc., National Rural Electric Cooperative Association, Prudential Financial (NYSE: PRU), and UMB Financial (NASDAQ: UMBF).

Most CNY unemployment rates rose in November
Regional jobs picture mixed in last year Unemployment rates in the Syracuse, Utica–Rome, Watertown–Fort Drum, Binghamton, and Elmira regions rose in November compared to a year ago. At the same time, the jobless rate in the Ithaca area remained unchanged. The figures are part of the latest New York State Department
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Regional jobs picture mixed in last year
Unemployment rates in the Syracuse, Utica–Rome, Watertown–Fort Drum, Binghamton, and Elmira regions rose in November compared to a year ago.
At the same time, the jobless rate in the Ithaca area remained unchanged.
The figures are part of the latest New York State Department of Labor data released Dec. 24.
On the job-growth front, the Syracuse, Watertown–Fort Drum, and Ithaca regions gained jobs between November 2018 and this past November.
The Utica–Rome, Binghamton, and Elmira areas lost jobs in the same period.
That’s according to the latest monthly employment report that the New York State Department of Labor issued Dec. 19.
Regional unemployment rates
The jobless rate in the Syracuse area rose to 3.7 percent in November from 3.6 percent in November 2018.
The Utica–Rome region’s unemployment rate increased to 3.9 percent from 3.8 percent; the Watertown–Fort Drum area rate went up to 5.5 percent from 4.9 percent; the Binghamton region’s rate rose to 4.0 percent from 3.8 percent; the Ithaca area’s rate stayed put at 3.0 percent; and the Elmira region’s jobless rate edged up to 3.7 percent from 3.6 percent in the same month a year ago.
The local-unemployment data isn’t seasonally adjusted, meaning the figures don’t reflect seasonal influences such as holiday hires.
The unemployment rates are calculated following procedures prescribed by the U.S. Bureau of Labor Statistics, the state Labor Department said.
State unemployment rate
New York state’s unemployment rate was 4.0 percent in November, unchanged from October, but up from 3.9 percent in November 2018, the department said.
The 4 percent unemployment rate was higher than the U.S. jobless rate of 3.5 percent in November.
The federal government calculates New York’s unemployment rate partly based upon the results of a monthly telephone survey of 3,100 state households that the U.S. Bureau of Labor Statistics conducts.
November jobs data
The Syracuse region gained 4,600 jobs in the last year, a 1.4 percent increase.
The Utica–Rome metro area lost 300 jobs, a decrease of 0.2 percent; the Watertown–Fort Drum region picked up 200 positions, an increase of 0.5 percent; the Binghamton area shed 500 jobs, a 0.5 percent drop; the Ithaca region gained 1,600 jobs, an increase of 2.4 percent; and the Elmira area lost 200 jobs, a decline of 0.5 percent.
New York state as a whole gained nearly 117,000 jobs, an increase of 1.2 percent, in the last 12 months. The state economy gained 15,400 jobs, a 0.2 percent rise, in the last month, the labor department said.

New York home sales slide 6 percent in November
CNY sales numbers were mixed ALBANY — New York realtors sold 10,522 previously owned homes in November, down 6 percent from the 11,190 homes that changed hands a year ago as the inventory of available homes fell. That’s according to the New York State Association of Realtors (NYSAR)’s November housing-market report
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CNY sales numbers were mixed
ALBANY — New York realtors sold 10,522 previously owned homes in November, down 6 percent from the 11,190 homes that changed hands a year ago as the inventory of available homes fell.
That’s according to the New York State Association of Realtors (NYSAR)’s November housing-market report issued Dec. 19.
Sales data
The inventory of homes for sale in the state totaled 64,221 homes in November, down 6.3 percent from 68,555 homes in November 2018.
The months’ supply of homes for sale at the end of November stood at 5.7 months, down 8 percent from 6.2 months a year ago, per NYSAR’s report. A 6 month to 6.5 month supply is considered to be a balanced market.
New listings fell 7.9 percent to 11,484 homes in November from 12,464 a year prior.
Pending sales totaled 9,329 homes in November, up 1.9 percent from 9,153 in November 2018.
The statewide median sales price rose 3.7 percent to $280,000 in November from $270,000 a year earlier, according to the NYSAR data.
Central New York numbers
Realtors in Onondaga County sold 432 previously owned homes in November, up 3.8 percent from 416 in the same month in 2018. The median sales price rose 1.9 percent to $152,500 from $149,700 a year prior, according to the NYSAR report.
NYSAR also reports that realtors sold 154 homes in Oneida County in November, down 4.3 percent from 161 homes sold in November 2018. The median sales price rose 3.3 percent to $130,190 from $126,000 a year ago.
Realtors in Broome County sold 131 existing homes in November, up 9.2 percent from 120 a year before, according to the NYSAR report. The median sales price decreased 2.4 percent to $120,936 from $123,968 in November 2018.
In Jefferson County, realtors closed on 115 homes in November, up 23.7 percent from 93 a year prior, and the median sales price of $159,395 was up 33.7 percent from $119,225 a year ago, according to the NYSAR data.
All home-sales data is compiled from multiple-listing services in New York state and it includes townhomes and condominiums in addition to existing single-family homes, according to NYSAR.
Green Light Law Puts New York in Conflict with Immigration Policies
On Dec. 16, the law allowing undocumented immigrants the ability to obtain a New York State driver’s license went into effect. The fact that this is now the law is a stunning reversal from 12 years ago when then- Gov. Elliot Spitzer proposed the measure. Some may recall, Spitzer dropped the proposal due to overwhelming opposition
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On Dec. 16, the law allowing undocumented immigrants the ability to obtain a New York State driver’s license went into effect. The fact that this is now the law is a stunning reversal from 12 years ago when then-
Gov. Elliot Spitzer proposed the measure. Some may recall, Spitzer dropped the proposal due to overwhelming opposition to it from people across the political spectrum — including opposition from leaders in his own party such as Hillary Clinton.
While a large majority of New Yorkers still opposed the law in 2019, in June the New York City–dominated legislature along with Gov. Cuomo proceeded to pass the law despite substantial opposition from upstate legislators.
While many people oppose the law simply on the basis that people who break the law coming to America should not be rewarded with driving privileges, there are other substantive problems beyond just that. One is national security. In order for an undocumented immigrant to obtain a license in New York, he or she must show “proof of identity.” Proof of identity includes among other things: (1) an unexpired foreign passport from the applicant’s country of citizenship, or (2) a valid foreign driver’s license that includes a photo image of the applicant which is either unexpired or expired for less than 24 months. It is then up to the motor vehicle clerk to determine the validity of the proof of identity prior to issuing the license. While we have professional motor vehicle clerks in our state, it is unlikely that any of them are experts on foreign identification. How are they to judge the authenticity of a foreign passport or driver’s license? It is not a stretch to imagine someone who wants to do harm to our country being able to obtain official government identification like a New York driver’s license by exploiting this weakness in the system. Once obtaining the New York driver’s license, one could use it as identification to undertake any sort of nefarious deeds against our country.
Another legitimate concern about allowing undocumented immigrants to obtain driver’s licenses is that it could facilitate voter fraud. Currently, state law requires that an application for a driver’s license include a voter-registration application where an applicant simply has to affirm that he or she is a citizen of the United States. That voter registration is then sent to the county board of elections where the applicant is then registered to vote. When applying for a driver’s license, if inclined, an undocumented immigrant could simply affirm that he or she is an American citizen and then eventually be registered to vote. Moreover, once obtaining a driver’s license an undocumented immigrant, if inclined, could go to the board of elections and use the driver’s license as identification to register to vote. While it is true that by affirming that they are American citizens an undocumented immigrant would be breaking the law, it would be highly difficult, especially once they have obtained a driver’s license, for anyone to know their citizenship status or prove it otherwise, especially following an election.
This law also has a number of other problems such as imposition of obstacles on the investigatory powers of law enforcement and the infringement on federal authorities’ ability to enforce immigration laws. However, what might grind on people the most is the seemingly unfairness of the law. Every year, some 700,000 immigrants obtain legal citizenship while millions more are allowed legal entry into our country. By permitting undocumented immigrants to obtain driver’s licenses it is unfair to those who have legally gone through the process of naturalization. As a result, some might be less inclined to seek citizenship if they know they can get all the advantages of citizenship without having to bother with naturalization.
America is a nation of immigrants and we should be proud of our immigrant heritage. However, that doesn’t mean we, as a state, should try to confer privileges to anyone in the state regardless of their citizenship status. The idea of providing undocumented immigrants with driver’s licenses was a bad idea when Gov. Spitzer proposed it 12 years ago and it continues to be bad idea now that the state has adopted it.
William (Will) A. Barclay is the Republican representative of the 120th New York Assembly District, which encompasses most of Oswego County, including the cities of Oswego and Fulton, as well as the town of Lysander in Onondaga County and town of Ellisburg in Jefferson County. Contact him at barclaw@assembly.state.ny.us or (315) 598-5185.
Not long ago, I was in a meeting to talk about a public-policy issue. It was complex, and as we considered the various angles I thought about what it would take to translate talk into change on the ground. I wasn’t analyzing the politics of it — I was focused on the types of people
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Not long ago, I was in a meeting to talk about a public-policy issue. It was complex, and as we considered the various angles I thought about what it would take to translate talk into change on the ground. I wasn’t analyzing the politics of it — I was focused on the types of people who would have to roll up their sleeves.
What I came away with was a list of skills, none of them unusual, but all of them vital for getting things done in the increasingly complicated world that government faces. It was a long list, including everything from a legislative draftsman to lawyers and budget experts to subject-matter experts, engineers, businesspeople, and PR experts.
My point is that to make our system and this country work, we need experts and competent bureaucrats to deal with the problems that come cascading down on government. And here’s what I can tell you, after decades of close contact with federal civil servants: We have them. By and large, this country is served by an extremely professional and dedicated group of public employees.
Which is why I have never shared the contempt and outright hostility toward federal bureaucrats that is so often expressed in the public arena these days. They deal with very tough problems and they’re usually good at what they do. They just don’t toot their own horns about it.
This was on full display in the recent House Intelligence Committee hearings on impeachment. As New York Times columnist David Brooks wrote recently, “[T]he civil servant witnesses answering questions inspired a lot more confidence than the elected officials who were asking them.” He went on to quote political scientist Hugh Heclo, “It is when you deal with someone who does not perform in a ‘professional’ manner that you learn to appreciate those who do.”
This doesn’t mean that there aren’t some bad apples within the bureaucracy. There always are, but they’re rare. Attacking cabinet officials and civil-service employees publicly, the way President Trump seems to enjoy doing, seems counter-productive. These are, after all, the very people he has to depend on to move his programs forward.
In the face of the many challenges we confront, the professionalism, talent, and competence of our civil servants matter. We’ve been fortunate: many of them have withstood attacks on themselves and the systems they depend on for support. So far anyway.
Lee Hamilton, 88, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south central Indiana.

Dermody, Burke & Brown, CPAs, LLC recently hired JAMIE BROCKETT as a custom accounting solutions (CAS) associate in the Syracuse office. She is the newest addition to the CAS department at Dermody, Burke & Brown. Brockett brings experience in bookkeeping, including various accounting software such as QuickBooks and Sage 300. She received an associate degree
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Dermody, Burke & Brown, CPAs, LLC recently hired JAMIE BROCKETT as a custom accounting solutions (CAS) associate in the Syracuse office. She is the newest addition to the CAS department at Dermody, Burke & Brown. Brockett brings experience in bookkeeping, including various accounting software such as QuickBooks and Sage 300. She received an associate degree in liberal arts from Onondaga Community College and an associate degree in applied science from Bryant and Stratton College.

MPW Marketing, a full-service advertising and marketing firm in Clinton, recently added VERA CHAPMAN to its staff as account manager. Her role is to become the in-house expert on each of her clients. Chapman comes to MPW with a strong background in client services, project management, and organization. She previously held roles as career advisor
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MPW Marketing, a full-service advertising and marketing firm in Clinton, recently added VERA CHAPMAN to its staff as account manager. Her role is to become the in-house expert on each of her clients. Chapman comes to MPW with a strong background in client services, project management, and organization. She previously held roles as career advisor and associate director of career development at Colgate University in Hamilton, where she advised students and alumni how to market themselves to potential employers. Chapman has also served as an online instructional assistant professor at the University of Mississippi for the past two years and an online instructor at Augusta University for the past year. She has a doctorate in higher education administration and a master’s degree in education (counselor education) from the University of Mississippi; an honors degree in psychology from the Stellenbosch University; and a bachelor’s degree in human physiology, genetics, and psychology from the University of Pretoria, both in South Africa.

Mower has appointed DOUG KAMP as its chief creative officer, overseeing all of the agency’s creative efforts. He comes to Mower after serving as head of creative at Gyro. Kamp started his career at TBWA and then spent nine years at J. Walter Thompson as a senior partner and creative director. Before joining Gyro, he
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Mower has appointed DOUG KAMP as its chief creative officer, overseeing all of the agency’s creative efforts. He comes to Mower after serving as head of creative at Gyro. Kamp started his career at TBWA and then spent nine years at J. Walter Thompson as a senior partner and creative director. Before joining Gyro, he served as group creative director with Bagby and Company. During his career, Kamp has played a lead creative role on brands like Sony, USG, Aflac, Tag Heuer, International Trucks, Samsung, Miller Brewing, John Deere, Transamerica, and Yum Brands.

LeChase Construction Services, LLC has added TIM WINTERS as a project manager in its Syracuse office. In this role, he will manage, develop, maintain, and oversee all functions of assigned projects at the preconstruction, construction, and post-construction phases. Those functions include but are not limited to safety, construction planning, and cost-control procedures. Winters has 35
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LeChase Construction Services, LLC has added TIM WINTERS as a project manager in its Syracuse office. In this role, he will manage, develop, maintain, and oversee all functions of assigned projects at the preconstruction, construction, and post-construction phases. Those functions include but are not limited to safety, construction planning, and cost-control procedures. Winters has 35 years of experience overseeing commercial and industrial construction projects in Central New York. He began his career as a carpenter, later earning one-year degrees in drafting and building construction from SUNY Canton.
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