Archive for March 26th, 2010

ObamaCare: Now comes the hard part …

March 26, 2010

Earlier this week, in my post “Dog catches bus”, I made the point that passing the law was the easy part. A couple of days later (than HomaFiles), the NYT is on the case.

Punchline: Now an administration that has demonstrated virtually no implementation capability (think stimulus, foreclosures, GITMO …) has to implement the most complex government program in history.

Keep in mind that 8 years after 9-11 — the official start of the high priority initiative to link our intelligence systems — a guy who was ratted out by his own father boarded an airplane with dynamite in his shorts … a “systemic failure”.  And we’ll get the healthcare system right ???

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Excerpted from NY Times:  Now Comes the Hard Part, March 25, 2010

Much as the Iraq war wasn’t over when American forces conquered Baghdad, so health care reform didn’t end when President Obama signed the bill. If carrying out the legislation doesn’t get the same sustained attention that passing it did, then this week’s historic victory will lose much of its luster.

Health care reform, the most ambitious domestic policy initiative of our time, is now law.

The challenges ahead — for putting the existing plan into action — fall into four categories.

DELIVERING THE DELIVERABLES

President Obama promised that some of the benefits of reform would appear in the first year. For starters, within 90 days the Department of Health and Human Services must set up a high-risk pool as a temporary source of insurance for people who have pre-existing conditions.

Some of the new consumer protections will take effect within six months; first, though, federal officials have to translate that law into regulation.

EDUCATING THE PUBLIC

It’s one thing to create a health insurance program and quite another to get people to sign up for it. Today, many more people are eligible for Medicaid than actually enroll.

An aggressive public relations campaign to increase public knowledge and to undertake direct outreach to individuals will be necessary. While states and nonprofit organizations will play vital roles, the federal government will probably have to take the lead.

HANDLING THE INSURERS

The law creates minimum standards for what insurance covers and requires insurers to spend most of their money on actual patient care.

The states will have primary responsibility for enforcing these standards … that won’t be easy.

BENDING THE COST CURVE

Dozens of new initiatives are intended to control, or at least reduce, the cost of medical care. But most of them require work to get up and running.

There are hopes that wider use of electronic medical records can improve quality while reducing expensive duplication.

Studies show we’d save money if we stopped paying for so many treatments that don’t work (or don’t work better than the alternatives). But we can’t start paying for treatments more intelligently without better information about what drugs and procedures do work, not to mention which ones doctors and hospitals already use.

But, somebody first has to set up a standard for the records.  

The Obama administration needs to find the right people to manage these programs.

Full article:
http://www.nytimes.com/2010/03/26/opinion/26cohn.html?adxnnl=1&adxnnlx=1269576282-HyC9Y8xsjBzs0TixBx2Y1w

Slacker insurance: Extending parents coverage to 26 year olds

March 26, 2010

OK, everybody knows that under ObamaCare insurance companies will have to allow parents to cover their “adult children” until age 26:

SEC. 2714. EXTENSION OF DEPENDENT COVERAGE FOR YOUNG PEOPLE UP TO 26TH BIRTHDAY THROUGH PARENTS’ INSURANCE .
(a) In general – A group health plan and a health insurance issuer offering group or individual health insurance coverage that provides dependent coverage of children shall continue to make such coverage available for an adult child (who is not married) until the child turns 26 years of age. [Effective 6 months after enactment.]

The way the media is covering this aspect of the plan, there seems to be a presumption that this is a free-rider program — just add them to the policy and pay the same premium. 

I don’t think so …

If the adult-child (whatever the heck that is) were to buy their own policy, the price would probably be about $5,000. 

It’s hard to imagine that insurance companies will just give $5,000 of extended family coverage for free.

And, I can’t imagine that employers will pick up any part of the tab as an employee benefit — why should they ?

So, parents will have the opportunity to shell out $5,000 to provide each of their adult-children with health insurance.

I predict major outrage when people figure out that that this isn’t a free lunch …

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Sidenote:

Married adult-children aren’t covered … but the statute is silent on the children of unmarried adult-children. 

Just watch this one develop …

Recipes for success … driving consumer sales.

March 26, 2010

TakeAway:  Driving product usage is not as simple as it once was for food companies. 

Consumers now look for pizzazz in food products’ “back of the box” suggestions, yet consumers do not want to have to go to the grocery store to buy new/uncommon ingredients. 

Consumers do not want to be treated as cooking novices, yet more than 11 ingredients is way too complex. 

It’s a tricky position for food companies. 

As a result, the process to pick just the right recipe for the precious 2 inches of real estate on the product label is exhaustive and all inclusive. 

And, this process has a lot riding on it because if the recipe does not spur use, these products will sit, forgotten in the back of the pantry.

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Excerpted from WSJ, “For Old Labels, a Little Zest,” By Miriam Gottfried, March 18, 2010

Recipe developers at Campbell Soup spent months testing and tasting before reaching a decision: “Chicken With Sun-Dried Tomatoes” was safe enough to print on the back of a can of cream-of-mushroom soup.

Some of the most beloved American dishes started as back-of-the-package recipes, designed in corporate test kitchens to sell more cans of soup, bags of noodles and boxes of cake mix …

Now America’s increasingly sophisticated palate, influenced by TV cooking shows, celebrity chefs and gourmet ingredients, presents a problem. Many food companies have had trouble increasing revenue …

Food companies need to figure out how to update their recipes to entice today’s more ambitious cooks to use products that might otherwise sit on the shelf for months. The recipes must make cooks feel like they’re doing more than just adding eggs to a mix, but not use so many ingredients to require a special trip to the store. If they get too trendy, they risk alienating their core consumers …

Campbell’s began the quest for new label recipes last February …

The group was unsure about “Chicken With Sun-Dried Tomatoes”—boneless, skinless chicken breasts with a sauce of cream-of-mushroom-soup, basil, shallots, red-wine vinegar and sun-dried tomatoes and served atop egg noodles. Chicken is the most popular search term on CampbellsKitchen.com, but the group was divided on sun-dried tomatoes.

“Label recipes are weeknight meals,” says Campbell’s Kitchen group manager. “Most involve rice or pasta. The real estate is small, so there are few ingredients and few steps.”

In May, recipes were sent to consumers to try at home, asking if they liked the taste, found the ingredients affordable, and whether they would make the dishes again.

Testers liked a fajita recipe but didn’t think cheddar cheese soup was a necessary ingredient. Another recipe for beef short ribs … called for braising liquid made with French-onion soup and beer … “It looked like beer was the new wine, and it might be the right time for this recipe.”  But testers said they had to make a special trip to buy beer. Short ribs were unfamiliar and some consumers thought they were too expensive …

In the end, “Chicken With Sun-Dried Tomatoes” stood out because the gourmet twist was in the title and there were more ingredients—11 instead of the four to seven used in a typical recipe …

The recipe will appear on cream-of-mushroom soup cans starting in August. Sales of cream-of-mushroom soup … usually take off in September as cold weather approaches, and the company hopes to see growth in the business from the recipe promotion …

Edit by TJS

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Full Article
http://online.wsj.com/article/SB20001424052748704059004575127752736708066.html#mod=todays_us_personal_journal

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