Podcast appearances and mentions of melanie evans

In this episode of the Defence Connect Spotlight podcast, Ventia's Melanie Evans, group executive/CIO - digital services, and John Parisella, general manager transformation - defence, join host Liam Garman to unpack how Ventia's new and emerging data-driven capabilities are supporting decision making in Defence. Evans and Parisella begin the podcast discussing how Ventia is transforming Defence asset management, including creating digital twins for Defence capabilities the right way through from ships to monitor upkeep to remote Defence assets to maximise workforce outputs. They then unpack their practical approach to data-driven decision making, including the practical application of artificial intelligence to streamline internal policy making. Evans, Parisella, and Garman wrap up the podcast looking at emerging technologies, including predictive analytics to ensure the efficient use of Defence assets. Enjoy the podcast, The Defence Connect team

P.M. Edition for Aug. 26. Wall Street's biggest leaders tend to avoid wading directly into presidential elections, finding other ways to wield influence in politics. WSJ senior writer Justin Baer explains why. Plus, hundreds of hospitals are pushing a new service: treating patients at home. Hospitals reporter Melanie Evans has more. And, Red Lobster has a new CEO pick as a group of lenders try to turn the bankrupt seafood chain around. Francesca Fontana hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Abortion and reproductive health issues headlined the Democratic National Convention in Chicago, as expected. But what Vice President Kamala Harris has in mind for other health policies as the Democratic nominee remains something of a mystery. Meanwhile, former President Donald Trump says he would not use the 19th-century Comstock Act to impose, in effect, a national ban on abortion, which angered his anti-abortion backers. Alice Miranda Ollstein of Politico, Joanne Kenen of Politico and Johns Hopkins University, and Shefali Luthra of The 19th join KFF Health News' Julie Rovner to discuss these stories and more. Also this week, Rovner interviews KFF Health News' Tony Leys, who reported and wrote the latest KFF Health News-NPR “Bill of the Month” feature about a woman who fought back after being charged for two surgeries despite undergoing only one. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: The New York Times' “Hot Summer Threatens Efficacy of Mail-Order Medications,” by Emily Baumgaertner. Joanne Kenen: The Milwaukee Journal Sentinel's “Who Is Gus Walz and What Is a Non-Verbal Learning Disorder?” by Natalie Eilbert. Alice Miranda Ollstein: The Wall Street Journal's “The Fight Against DEI Programs Shifts to Medical Care,” by Theo Francis and Melanie Evans. Shefali Luthra: The Washington Post's “Weight-Loss Drugs Are a Hot Commodity. But Not in Low-Income Neighborhoods,” by Ariana Eunjung Cha. Hosted on Acast. See acast.com/privacy for more information.

More hospitals and surgery centers are calling for patients to pay their full deductible before treatment begins. Wall Street Journal reporter Melanie Evans joins host J.R. Whalen to discuss questions you should ask as well as financial aid programs available. Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for April 24. A new study found that hospital mergers drive up healthcare costs. The Wall Street Journal's Melanie Evans discusses how consumers are paying the price. And McKinsey is under criminal investigation for opioid-related consulting services. Plus, major business groups are suing to block a new federal rule banning employee noncompete agreements. Sabrina Siddiqui hosts. Listening on Google Podcasts? Here's our guide for switching to a different podcast player. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I am joined by Melanie Evans from Pediatric Speech Sisters. Melanie shares insights on cultural diversity, inclusion, and the importance of cultural competemility in the field of Speech-Language Pathology (SLP). The conversation covers defining cultural competemility, ethical considerations according to the American Speech-Language-Hearing Association (ASHA), and practical ways to implement cultural competemility in supervision and speech pathology practice. Register ⁠here⁠ to earn ASHA CEUs. Visit Speechie Side Up to learn more about this episode.

In this episode, I am joined by Melanie Evans from Pediatric Speech Sisters. Melanie shares insights on cultural diversity, inclusion, and the importance of cultural competemility in the field of Speech-Language Pathology (SLP). The conversation covers defining cultural competemility, ethical considerations according to the American Speech-Language-Hearing Association (ASHA), and practical ways to implement cultural competemility in supervision and speech pathology practice. Register here to earn ASHA CEUs. Visit Speechie Side Up to learn more about this episode.

Many hospitals are charging hundreds of dollars in fees for routine care. Wall Street Journal reporter Melanie Evans joins host J.R. Whalen to discuss how patients can avoid the extra charges.  Listening on Google Podcasts? Here's our guide for switching to a different podcast player. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for March 27. Hospitals are adding billions of dollars in facility fees to routine care, leaving unsuspecting patients with extra charges. Hospital industry reporter Melanie Evans has more. Plus, investigators are looking into whether contaminated fuel played a role in the accident. Senior reporter Costas Paris explains. Annmarie Fertoli hosts. Listening on Google Podcasts? Here's our guide for switching to a different podcast player. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many clinicians are trained to focus on checklists and evaluations so we can walk in to work confident; knowing exactly what our protocols are. And while systems and processes are extremely important, we have to know how to use them flexibly. When we think about this in relation to cultural competency; we often think of eliminating biases in our evaluations and materials; but it goes so much deeper than that. We also need to think about how we interact with coworkers, how policies are impacting our students, or what's going on in the community we're working in. When we're too rigid in the way we do things or the way we think about our work, we may unintentionally make students, clients, families, or even our coworkers feel unwelcome.That's why I invited Melanie Evans to the De Facto Leaders podcast to talk about the concept of “cultural competemility”, and how it can help teachers, leaders, and therapists think about cultural responsiveness.Melanie Y. Evans, M.S. CCC-SLP is an ASHA-certified bilingual pediatric Speech-Language Pathologist licensed to practice in Texas and Oklahoma. She is also the founder of Pediatric Speech Sister, whose mission is to assist other speech-language pathologists on their cultural competency journeys and bring more inclusion in the field. Melanie dedicates her career to serving Black and Latinx populations and closing the academic achievement gap.In this conversation, Melanie shares:✅How professionals can better support black and brown children✅What is the school to prison pipeline, and what are some reasons it's persisting?✅Why being culturally responsive is a journey and not a set of rules✅How we can “read the room” and ask better questions when working with both clients and coworkers✅What is cultural competemility and how can teachers and therapists apply it to practice?In this episode, I mention the School of Clinical Leadership, my program that helps related service providers design services that support executive functioning in K-12 settings. You can learn more about the program here: https://drkarendudekbrannan.com/clinicalleadershipYou can connect with Melanie on LinkedIn here: https://www.linkedin.com/in/melanieyvonneevans/ follow her on YouTube here: https://www.youtube.com/@PediatricSpeechSisterNetwork and follow her on Instagram @pediatricspeechsister (https://www.instagram.com/pediatricspeechsister/)You can read her post on “5 Ways to Support Black and Brown Children in Clinical Settings” here: https://www.instagram.com/p/CBWI-YNBOmZ/?utm_source=ig_web_copy_link&igshid=MzRlODBiNWFlZA==

A Wall Street Journal investigation found that only 14% of emergency departments nationwide have been certified to treat kids. WSJ's Melanie Evans explains why this is a problem across the country, and one family recounts their son's experience in an ER. Further Reading: -Find Hospitals Deemed Ready to Treat Children in Your Area  -Children Are Dying in Ill-Prepared Emergency Rooms Across America  -Emergency Rooms Are Failing Kids. This Hospital Stepped Up.  Learn more about your ad choices. Visit megaphone.fm/adchoices

We are excited to have MJ Pangman on today's Myers Detox Podcast to share her powerful knowledge of water derived from over twenty years of research. She is a writer and natural scientist who has authored or ghost-written several books for doctors, naturopaths and inventors. Pangman will explain how she came to her passion for water. She will share how you can benefit from structured water and its many applications, from oral consumption to eye-washing. She will describe how to access structured water and how to bring other elements into water to derive the maximum health benefit. You will be inspired to commune with nature, where structured water is naturally available.  Let MJ Pangman take you to a new level of understanding about water in the info packed episode!   On today's podcast, you will learn: What structured water is and how to access it. Consumption of structured water and creating opportunities for exposure supports cells and DNA integrity. The advantages of communing with nature to experience structured water and its benefit to your health. What minerals to add to structured water to enhance its benefits.  Ormus is showing promising results in new research. About biofeedback research that MJ Pangman did on Watt-Ahh, which showed a significant positive health response on its own and with added minerals. How to experience the various applications of structured water for both consumption and exposure.  For example, exposing eyes to structured water is showing promise as an ophthalmology treatment, demonstrating an improvement in vision. The results of biofeedback research on Watt-Ahh, a structured water available only on Amazon. About MJ Pangman's recently-updated book, Dancing with Water (second edition) and how you can get it.   MJ Pangman Bio: MJ Pangman is a writer and natural scientist who has authored or ghost-written a number of books for doctors, naturopaths and inventors. She has a Master's degree in plant science and a love of the natural sciences. In the 1990s she became fascinated with water as a vehicle for the transmission of energy and information, and as a conscious participant in the dance of life. And since that time, her research has focused on the significance of liquid crystalline phase of water. Her book, Dancing with Water, written with Melanie Evans and now in its second edition, is a guide to understanding and revitalizing water. It establishes both the scientific basis and the spiritual wisdom surrounding water. Pangman is committed to helping others gain an appreciation for water's multifaceted role in life on this planet, and helping others connect with water on a deeper and more conscious level for health and wellbeing. You can learn more about MJ and her work at dancingwithwater.com. To learn more about Watt-Ahh and purchase some, go to http://aquanew.com/       ✨SUBSCRIBE✨ http://bit.ly/38pyo1U

A bitterly divided Congress managed to keep the federal government running for several more weeks, while House Republicans struggle — again — to choose a leader. Meanwhile, many people removed from state Medicaid rolls are not finding their way to Affordable Care Act insurance, and a major investigation by The Washington Post attributes the decline in U.S. life expectancy to more than covid-19 and opioids. Lauren Weber of The Washington Post, Victoria Knight of Axios, and Sarah Karlin-Smith of the Pink Sheet join KFF Health News chief Washington correspondent Julie Rovner to discuss these issues and more. Also this week, Rovner interviews physician-author-playwright Samuel Shem about “Our Hospital,” his new novel about the health workforce in the age of covid. Plus, for “extra credit,” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: The Atlantic's “Virginia Could Decide the Future of the GOP's Abortion Policy,” by Ronald Brownstein. Sarah Karlin-Smith: The Wall Street Journal's “Children Are Dying in Ill-Prepared Emergency Rooms Across America,” by Liz Essley-Whyte and Melanie Evans. Lauren Weber: ProPublica's “Philips Kept Complaints About Dangerous Breathing Machines Secret While Company Profits Soared,” by Debbie Cenziper, ProPublica; Michael D. Sallah, Michael Korsh, and Evan Robinson-Johnson, Pittsburgh Post-Gazette; and Monica Sager, Northwestern University. Victoria Knight: KFF Health News' “Feds Rein In Use of Predictive Software That Limits Care for Medicare Advantage Patients,” by Susan Jaffe. Hosted on Acast. See acast.com/privacy for more information.

P.M. Edition for Oct. 4. More than 75,000 nurses, pharmacists and other Kaiser Permanente employees walked off the job today, in a dispute over wages and staffing. Hospital industry reporter Melanie Evans has more. And the prosecution and defense make their opening arguments in the criminal trial of FTX founder Sam Bankman-Fried. Cryptocurrency reporter Caitlin Ostroff has the details. Plus, in a boost for Ukraine, Russia withdraws much of its Black Sea Fleet from its main base in Crimea. Annmarie Fertoli hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

To address a nursing shortage, some of the nation's largest hospital systems have started to use apps similar to those used for ride-hailing. WSJ's Melanie Evans explains the pros and cons of the gig work model for nurses and hospitals. Further Reading: - Nurse Shortage Pushes Hospitals Into the Gig Economy  Further Listening: - Mass Layoffs or Hiring Boom – Which Is It?  - One Nurse, Three Covid Hotspots  Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for July 26. Nonprofit medical institutions get federal benefits in exchange for providing support to their communities. But a Wall Street Journal investigation found they often lag behind their for-profit peers in providing free or cheaper medi cal care. Wall Street Journal hospitals reporter Melanie Evans discusses their findings with host Daniella Cheslow. Learn more about your ad choices. Visit megaphone.fm/adchoices

How can you start positive parent relationships with the real-world constraints of a 30-day school timeline and a high prevalence of dual-income households? How can you build cross-cultural relationships? Guest Melanie Evans, CCC-SLP, shares her expertise in multicultural competence for SLPs. Join us as we walk through every step of the evaluation process in this episode. For more information on effectively completing an initial evaluation, check out "Speech Sound Disorders: Comprehensive Evaluation and Treatment" by Kelly Vess for videos with interactive guides illustrating best practices. Melanie Evans can be reached at @pediatricspeechsister on Instagram or by email at Melanie@pediatricspeechsister.com.

Gas prices have hit a record high in the United States. Patrick De Haan of GasBuddy.com joins us to talk about it. Another thing going up - healthcare costs. Melanie Evans of the Wall Street Journal reports it's partially because of a big wage increase for nurses. She'll take us through her reporting on that. See omnystudio.com/listener for privacy information.

P.M. Edition for Nov. 19. Nurses have been in high demand since the pandemic began. Now, in a tight labor market, many hospitals are bumping up pay to beat out rivals and keep nurses on staff. But some smaller hospitals are struggling to keep up. Hospitals reporter Melanie Evans joins host Annmarie Fertoli to discuss. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's time for Tony and Nadia to reminisce about being a Catholic high school student (awkward and horny) by celebrating the awkwardest and horniest Catholic high school student of all, Mary Katherine Gallagher in the 1999 Molly Shannon vehicle. Nadia shares her Molly Shannon story and reviews SNL's contract structure. Tony lists every project he's described as "my personal In the Heights". Roger Ebert makes a surprise appearance. Our theme song is "S K A D R E A M" by Jeff Rosenstock; Jeff's music is distributed under a Creative Commons license and available at quoteunquoterecords.com . This week's outro music is Dan Hill's “Sometimes When We Touch” as covered by Melanie Evans.

P.M. Edition for July 7. A WSJ analysis of previously confidential pricing data finds that hospitals often charge uninsured patients much more than they charge patients who have insurance. Hospitals reporter Melanie Evans joins host Annmarie Fertoli with more on the analysis and what it means for patients. Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for June 16. The face-to-face meeting in Geneva comes amid allegations including Russian interference in the 2020 U.S. election and recent cyber attacks. New data show housing shortage in America. WSJ's Melanie Evans on the impact of medical debt and solutions to alleviate it. Marc Stewart hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, on the Hudson Mohawk Magazine, Mark Dunlea speaks with Mary Lister, a home health care worker and an organizer with the Queens' City Worker Center, about the campaign against wage theft in New York State. Then, on Reclaiming History, Lovonia Mallory speaks with Melanie Evans, the Interim Director of the Dudley Observatory in Schenectady NY After that, Roaming Labor Correspondent Willie Terry speaks with long-time labor Organizer Saladin Muhammad of the Southern Worker Assembly and Black Workers for Justice about the outlook of Black Workers' in the South struggling for the right to unionize. Then, Alexis Goldsmith speaks with Victoria Whalen of NY Renews about the NYS Climate and Community Investment Act Then, McKenna Conners speaks with Michelle Rogat, graduate student and sustainability planner, who will be speaking about energy infrastructure at the upcoming Sustainable Future Conference. And to close out the show, Corinne Carey speaks with Leyla Kiosse, owner of the bar, entertainment center, and delectable ice cream shoppe -- The Yard & Boozy Moos in Albany

Melanie Evans is the Interim Director of the Dudley Observatory in Schenectady NY she from a long career in the more terrestrial and aquatic world of zoos and aquariums, and is very excited to expand her enthusiasm for science to beyond our atmosphere. Melanie has more than 15 years experience in non-profit management focusing on guest relations, adult and youth volunteer engagement and informal educational programming. Ms. Evans has a Bachelor of Science from University of Manitoba, a professional certificate in Nonprofit Management from Arizona State University’s Lodestar Center for Philanthropy and Nonprofit Innovation and a certificate in Positive Youth Development from the University of Arizona. In this segment of Reclaiming History Lovonia Mallory talks to Melanie Evans about the women computers who charted the sky's of Dudley as human computers.

The 116th Congress finished their reign by passing every section of government funding into law with COVID relief attached. In this episode, learn about the new COVID relief law after you hear about a surprise dingleberry that promises to end surprise medical billing in the United States. That's right! Something good happened! Find out in this episode how the new provisions will positively affect you. Please Support Congressional Dish – Quick Links Click here to contribute monthly or a lump sum via PayPal Click here to support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Episodes CD219: Oversights of CAREs CD213: CARES Act - The Trillions for COVID-19 Law CD199: Surprise Medical Bills Coronabus Outline CBO Score of COVID provisions (Division N) CBO Score of COVID provisions (Division M) CBO Score of the omnibus H.R.133: Consolidated Appropriations Act, 2021 "Coronabus" Congress.gov Text Explanatory Statement 1 Explanatory Statement 2 DIVISION M: CORONAVIRUS RESPONSE AND RELIEF SUPPLEMENTAL APPROPRIATIONS ACT Sec. 201: General Provisions The Federal government will pay 100% of the cost of funeral expenses that the Governor of a state chooses to pay for expenses through 12/31/2020. Child Care and Development Block Grant: Provides $10 billion and expand eligibility by waiving eligibility restrictions tied to income. It specifically mentions health care sector employees, emergency responders, sanitation workers, farm workers, and other "workers deemed essential during the response to coronavirus by public officials". The money can be used to pay for co-payments and tuition payments for families. Public Health and Social Services Fund: Provides $22,945,000,000 for vaccines and $22,400,000,000 for testing and contract tracing. Education Stabilization Fund: Provides almost $82 billion available through September 2022 to “prevent, prepare for, and respond to coronavirus domestically or internationally”. $2.75 billion will go to "non-public schools". Non-public schools can not also take PPP money if they apply for this money. Federal Aviation Administration: Provides $2 billion for airports, and requires them to retain at least 90 percent of their workforce as of March 27, 2020 (minus retirements and employees who quit) until February 15th DIVISION N - ADDITIONAL CORONAVIRUS RESPONSE AND RELIEF TITLE I - HEALTHCARE Sec. 101: Supporting Physicians and Other Professionals in Adjusting to Medicare Payment Changes During 2021 Medicare fee schedules will be increased by 3.75% from January 1, 2021 through January 1, 2022. Prohibits judicial review of the fee schedules that determine payment amounts. Funds it with $3 billion plus "necessary" amounts from the Supplementary Medical Insurance Trust Fund. TITLE II - ASSISTANCE TO INDIVIDUALS, FAMILIES, AND BUSINESSES Subtitle A - Unemployment Insurance Sec. 201: Extension and Benefit Phaseout Rule For Pandemic Unemployment Assistance Extends the eligibility period for COVID-19 unemployment payments through March 14, 2021. People who haven't used their benefit eligibility of 50 weeks can get payments through April 5, 2021. Gives individuals the right to appeal denials of their unemployment benefits, but any denials issued before the end of 2020 will stand. Sec. 203: Extension of Federal Pandemic Unemployment Compensation Adds $300 in federal tax money to the weekly unemployment benefits we receive from our states from December 26, 2020 through March 14, 2021. Sec. 241: Requirement To Substantiate Employment or Self-Employment and Wages Earned or Paid to Confirm Eligibility for Pandemic Unemployment Assistance Requires people filing for COVID unemployment benefits who aren't usually eligible (such as self-employed people, people who can't work because they are sick with COVID or caring for a COVID, etc.) to provide documentation to prove they are employed or self employed. The law is not specific about what kind of documentation is required. Sec. 263: Continuing Eligibility for Certain Recipients of Pandemic Unemployment Assistance Starting in February 2021, people in this category have to submit documents every week proving they are still, caring for someone who is sick, or can't work for another eligible reason. Sec. 242: Requirement for States to Verify Identity of Applicants for Pandemic Unemployment Assistance Requires the states to verify the identity of any approved to receive COVID unemployment payments. States need to start doing this by February 1. Sec. 251: Return to Work Reporting For CARES Agreement By February 1, states have to set up a snitching hotline or website for employers to use to rat on employees who refuse to return to work "without good cause." The definition of good cause is left up to the states. Subtitle B - COVID-related Tax Relief Act of 2020 Sec. 272: Additional 2020 Recovery Rebates For Individuals Individuals making up to $75,000 - based on 2019 taxes - will receive a $600 "tax credit", in addition to $600 per dependent Sec. 276: Clarification of Tax Treatment of Forgiveness of Covered Loans A business that receives a PPP loan that is forgiven does not have to count that money as income and expenses paid with the PPP money can be deducted. Sec. 277: Emergency Financial Aid Grants Students who receive emergency financial aid grants don’t have to count the money as income Sec. 286: Extension of Credits For Paid Sick and Family Leave Extended a tax credit for employers which would cover 100% of the costs of paid sick and family leave they offer to their employees and the tax credit for self-employed people for the days they can’t work because of COVID until March 31, 2021. TITLE III - CONTINUING THE PAYCHECK PROTECTION PROGRAM AND OTHER SMALL BUSINESS SUPPORT Sec. 304: Additional Eligible Expenses Expands the list of expenses that can be paid using PPP funds to include operations expenditures, property damage caused by the BLM protests in summer 2020 that were not covered by insurance, supplier costs, and worker protection measures related to COVID safety. Sec. 305: Hold Harmless Exempts the banks that administer the PPP program from lawsuits related to loan origination or forgiveness for a second draw of PPP loans as long as they collect required paperwork "in good faith". Sec. 307: Simplified Forgiveness Application Creates a simplified application process for PPP loan forgiveness for loans less than $150,000. Those loans "shall be forgiven" if the person submits a 1 page document describing how many employees were retained thanks to the loan, how much of the loan was spent on payroll, and the total loan amount. The recipient will have to retain employment records for 4 years after submitting the application. The banks are not allowed to require any other documents for loan forgiveness. This is effective from the signing of the CARES Act. Sec. 308: Specific Group Insurance Payments as Payroll Costs Clarifies that "group life, disability, vision, or dental insurance" counts as payroll costs, which can be paid using PPP loan money. Sec. 311: Paycheck Protection Program Second Draw Loans Allows people to get a second round of forgivable PPP loans with the amount based on their payroll expenses for the last year or 2019 with a maximum loan amount of $2 million. Limits the size of the business to one with fewer than 300 employees per location, instead of 500 employees per location. Sec. 318: Eligibility of 501(c)(6) and Destination Marketing Organizations For Loans Under the Paycheck Protection Program Allows PPP funds to be given to tax exempt business organizations, including organizations that engage in lobbying Congress. Sec. 319: Prohibition on Use of Loan Proceeds For Lobbying Activities Prohibits PPP funds from being used on lobbying expenses. Sec. 322: Conflicts of Interest A business that is more than 20% owned or controlled by the President, Vice President, the head of an Executive department or a member of Congress or their spouses is not eligible to receive PPP loans. Sec. 324: Grants for Shuttered Venue Operations Live performance venues, except ones that "present live performances of a prurient sexual nature", that have taken in 30% or less of their 2019 revenues can get grants to help make up for 45% of their lost revenue during the pandemic. $2 billion is set aside for businesses with fewer than 50 employees. Sec. 342: Prohibition of Eligibility For Publicly-Traded Companies Prohibits publicly traded companies from receiving PPP loans. TITLE IV - TRANSPORTATION Subtitle A - Airline Worker Support Extension Sec. 402: Pandemic Relief for Aviation Workers Provides $15 billion to pay the salaries and benefits of passenger airlines and $1 billion for contractors. Sec. 404: Required Assurances Conditions the money on the promise from the airlines and contractors that they won't lay anyone off or reduce their pay until March 31, 2021 and that the money won't be used to buy the companies stock or pay out dividends until March 31, 2022. Airlines or contractors that accept this money will have 72 hours from the time they accept the agreement with government to recall any employees they laid off. The employees who return will receive back pay from December 1, 2020 (minus any severance they received). Sec. 406: Limitation of Certain Employee Compensation Freezes the pay of anyone in the airlines accepting our tax money funded bailout who made more than $425,000/year in 2019 to their 2019 pay levels until October 1, 2022. No one in the company will be allowed to collect more than $3 million plus 50% of the amount over $3 million that they earned in 2019. Sec. 407: Minimum Air Service Guarantees Authorizes the Secretary of Transportation (Pete Buttigeg) to require an airline to maintain service to any destination that airline served on March 20, 2020, if the airline accepts the COVID bailout money. This authority automatically expires on March 1, 2022. Subtitle B - Coronavirus Economic Relief for Transportation Services Act Sec. 421: Assistance For Providers of Transportation Services Affected by COVID-19 Provides $2 billion to transportation service companies that have lost at least 25% of their revenue due to COVID-19 that has fewer than 500 employees or a company with over 500 employees that hasn't received a bailout yet. The companies have to use at least 60% of the money to pay up to $100,000/yr per employee in salary as long as they don't furlough any more workers (they can spend the money on other things if all their workers are back and making their 2019 pay levels already). TITLE V - BANKING Subtitle A - Emergency Rental Assistance Sec. 501: Emergency Rental Assistance Provides $25 billion for rental assistance . The money will be given to the states and 90% of it needs to be used to pay rent, utilities, home energy costs, and other costs as determined by the Treasury Secretary. Under no circumstance can any household get payments for more than 15 months. The money will flow from the government directly to the landlord or utility provider (unless the landlord or utility provider refuses to accept the payment, which is the only circumstance during which the household will get the money). To be eligible you either have to have income below 50% of the area median income or one or more individuals in the home have been unemployed for at least 90 days. Landlords are allowed to apply on behalf of their tenants, with their permission and signature on the application. The funding expires December 31, 2021. Sec. 502: Extension of Eviction Moratorium Extends the eviction moratorium through January 31, 2021. Subtitle B - Community Development Investment Sec. 522: Capital Investments For Neighborhoods Disproportionately Impacted By The COVID-19 Pandemic Creates a new fund with $9 billion to give money to banks - by purchasing their stock - to lend out in low income and minority communities. The administration of these purchases can be outsourced to "any bank, savings association, trust company, security broker or dealer, asset manager, or investment advisor as a financial agent of the Federal Government." The law sets no limits on executive compensation, share buybacks, or dividend payments for the recipients of the bank's lending (the Secretary of the Treasury gets to make those rules). The authority for using this $9 billion is valid until 6 months after the emergency declared on March 13, 2020 is terminated. Subtitle C - Miscellaneous Sec. 540: Extension of Temporary Relief and Emergency Authorities Extends the provision from the CARES Act that exempted banks from relatively new reporting requirements on their credit losses until the end of the emergency or January 1, 2022, an extra year. Sec. 541: Extension of Temporary Relief From Troubled Debt Restructurings And Insurer Clarification Extends the provision from the CARES Act that allows banks to avoid counting troubled loans as troubled on their balance sheets until 60 days after the emergency declared on March 13th ends or January 1, 2022, an extra year. This law also expands the eligibility to include insurance companies. TITLE VI - LABOR PROVISIONS Sec. 601: Job Corp Flexibilities Temporarily allows people who have already turned 25 to qualify for the Jobs Corps. TITLE VII - NUTRITION AND AGRICULTURE RELIEF Subtitle A - Nutrition Sec. 702: Supplemental Nutrition Assistance Program From January 1, 2021 through June 30, 2021, food stamp beneficiaries will get 115% of the amount they received in June 2020. Money received from Federal unemployment payments - the money provided on top of state payments - will not be counted as income for the month the money was received or for the 9 months that follow for the purpose of determining food stamp eligibility. Subtitle B - Agriculture Sec. 751: Office of the Secretary Provides over $11 billion for farmers and those that provide for local food systems such as farmers markers, restaurants, and schools. $1.5 billion will be used to purchase food for hungry Americans. $1 billion of this money can be used to pay up to 80% of the revenue losses of contract growers of livestock and poultry for the period beginning on January 1, 2020 (two months before COVID) through January 1, 2021. TITLE VIII - UNITED STATES POSTAL SERVICE Sec. 801: COVID-19 Funding For The United States Postal Service Allows the postal service to keep the money it was loaned by the CARES Act TITLE IX - BROADBAND INTERNET ACCESS SERVICE Sec. 904: Benefit For Broadband Service During Emergency Period Relating to COVID-19 Creates the "Emergency Broadband Benefit Program" funded with $3.2 billion, which allows households that qualify for some other COVID relief benefits can also get a monthly $50 discount on their internet service, or $100 if they are renting equipment, but only if their internet service provide elects to participate in the program. The FCC will reimburse the internet companies directly for the discounts. Companies that accept the money are not allowed to require an early termination fee of new customers who get service due to this benefit who then decide to cancel later. This is valid until 6 months after the end of the emergency is declared. TITLE X - MISCELLANEOUS Sec. 1003: Rescissions Rescinds $429 billion out of the $500 billion that was provided the CARES Act to provide loans and invest in corporate bonds by the Federal Reserve. Sec. 1005: Termination of Authority Terminates the authority created by the CARES Act for the Federal Reserve to make loans or purchase securities using the Main Street Lending Program, or the authorities granted to loan money to state and local governments. They can still make loans using the Term Asset-Back Securities Loan Facility. They are allowed to restructure and extend existing loans. Sec. 1006: Rule of Construction Clarifies that the Federal Reserve is not in any way restricted from using authorities it already had before enactment of the CARES Act. DIVISION BB - PRIVATE HEALTH INSURANCE AND PUBLIC HEALTH PROVISIONS TITLE I - NO SURPRISES ACT Sec. 102: Health Insurance Requirements Regarding Surprise Medical Billing Starting on January 1, 2022, any health insurance company that provides "any benefits" in an emergency department can not require pre-authorization of those services or deny coverage because the emergency department is out of their network. If emergency services are provided out-of-network, there can not be any limits on coverage any more restrictive than what would be covered by an in-network emergency department and the out-of-pocket costs can't be more than they would be in-network. Out-of-pocket payments at an out-of-network emergency room must count towards in-network deductibles and out-of-pocket maximums. Emergency services include any care that happens in connection to the emergency visit, regardless of what department of the hospital provides the services. After the patient is stabilized, inpatient or outpatient stays in connection to that event are also covered. Loophole: Services are not covered if the patient is able to travel without medical transportation, is able to provide informed consent, and "other conditions" that will be determined by regulation. The prices to be paid by insurers will be based on the median price paid in the geographic area for similar services, and it will increase along with the consumer price index. In the case of a out-of-network doctor who works at an in-network hospital, if that doctor doesn't notify the patient that he/she is out-of-network, the health insurance company can't require the patient to pay any more out of pocket than they would pay if the doctor were in-network. Any cost-sharing payments must be applied to the in-network deductible and annual maximum out of pocket limits. This also applies to air ambulance providers. Health insurance companies are no longer allowed to require referrals for women to go to the gynecologist. Health insurance plans are still allowed to require gynecologists to notify the plan and/or the primary care doctor of their treatment decisions. Sec. 103: Determination of Out-of-Network Rates to Be Paid By Health Plan; Independent Dispute Resolution Process To determine how much an insurance company will directly pay to an out-of-network provider, the provider has 30 days from receiving a payment or a denial of payment to start a negotiation process. If the negotiation fails, within four days, the provider or health insurance company can elect to start an independent dispute resolution. The Secretaries of Health and Human Services, Labor, and Treasury have until the end of 2021 to create this process by regulation. The regulation process will determine who will be certified to act as the dispute resolution judge, but it is not allowed to be an affiliate, subsidiary or trade group that represents a health insurance company or health care provider. The independent disputer settler will have 30 days to make the payment determination. The payment amounts can consider the comparable rates in the geographic region, the market share that provider controls in the region, the complexity of the patients case, and if either side made any effort to be in each other's network. They payment amounts can not consider the amount the provider usually chooses to charge or the rates usually paid by Medicare and Medicaid. The decisions will be binding and not subject to judicial review, unless there is evidence of fraud. The insurance company will have 30 days from the decision date to pay the bill. A lot of information about who uses this process and its results will be made public. Sec. 104: Health Care Provider Requirements Regarding Surprise Medical Billing The emergency departments and doctors can't send patients bills for anything more than their co-pay amounts. Out-of-network doctors working at in-network facilities are also prohibited from sending bills that are greater than the co-pay amounts. Out of network doctors at in-network facilities that provide services such as anesthesiology, radiology, and lab services can send bills to patients if the the patient makes an appointment to see them 72 hours or more in advance of their treatment and if the patient signs a written notice or email. The notice has to inform the patient that getting treated by the out-of-network doctor is optional and that they have the option to get treated by an in-network doctor, along with a list of in-network doctors available to provide the service. The notice also has to inform the patient that the amount they pay may not apply to their out-of-pocket limits or in-network deductible. The notice has to be dated and signed by the patient before they receive the services. Loophole: The notice has to have a "good faith estimated amount" that the provider "may" charge, but that that amount is not a contractual obligation. The states are given the authority to enforce these laws. If the state refuses to enforce them, the Secretary of Health and Human Services has the ability to enforce them, and issue fines to doctors (and specifically air ambulance operators) up to $10,000 per violation. There will be a process for submitting complaints to the Secretary of Health and Human Services, and the department has 60 days to respond. The doctor or air ambulance operator can avoid the fine by withdrawing the bill, reimbursing the patient for the difference between what they were charged and what they should have been charged, plus interest, within 30 days. Loophole: The law does give the Secretary of HHS the permission to create a "hardship exemption" to the fines. Sec. 105: Ending Surprise Air Ambulance Bills Establishes similar laws for air ambulance operators as are enacted for emergency rooms and out-of-network doctors working at in-network facilities. Patients with health insurance who receive air ambulance services can only be charged the in-network rate for a copay. Air ambulance companies are not allowed to bill patients with health insurance more than their co-pay amount. Sec. 107: Transparency Regarding In-Network and Out-of Network Deductibles and Out-of-Pocket Limitations By January 1, 2022, health insurances have to issue new insurance identification cards which include "any deductible", "any out-of-pocket limit", and a telephone number and internet website that patients can use to find out who is in-network. Sec. 111: Consumer Protections Through Health Plan Requirement for Fair and Honest Advance Cost Estimate Starting on January 1, 2022, before a patient receives a scheduled service, the health insurance company has to send them a physical notice or email - patient's choice - about whether they are schedule to see an in-network or out-of-network doctor. If they are scheduled for an in-network appointment, they have to tell the patients the contracted rate for the service. If they are scheduled for an out-of-network appointment, they have to tell the patient how to find an in-network doctor. The notice also has to include cost estimates, including an estimate submitted by the doctor, how much the health insurance company will probably pay, the cost of any co-pays, and how close the patient is to reaching any out-of-pocket limits. The notice must also include a disclaimer that these are only estimates. Sec. 112: Patient Protections Through Transparency and Patient-Provider Dispute Resolution Starting on January 1, 2022, before a patient receives a scheduled service, the doctor needs to ask the patient if they have insurance, are covered bypass a government plan, or have no insurance. If the patient has insurance, they have to provide the health insurance company or the government with a "good faith estimate" of the expected charges with the billing codes for the expected services. If the person does not have insurance, the estimate has to be given directly to the patient. The Secretary of Health and Human Services will have to create a process by January 1, 2022 for uninsured patients who are charged more than their estimates to have their bill determined by an independent dispute resolution authority. Sec. 113: Ensuring Continuity of Care If a health insurance plan ends its contract with a patient's doctor, the health insurance company has to notify the patient and give the patient the opportunity to request and be granted 90 days of keeping the co-payment structure they had while the doctor was in-network. Sec. 114: Maintenance of Price Comparison Tool Health insurance companies will have to offer patients - via telephone and internet - a tool that allows them to compare the co-pays they would be responsible for if they received a service from each of their in-network providers. Sec. 116: Protecting Patients and Improving the Accuracy of Provider Director Information Requires health insurance companies to accurately maintain their in-network provider database. If the patient gets information about a doctor from an outdated database, or if the patient's requests for information go unanswered, the insurance company must charge the patient in-network copays, but the deductible will be applied to the out-of-network maximum limit. TITLE II - TRANSPARENCY Sec. 201: Increasing Transparency By Removing Gag Clauses on Price and Quality Information Health insurance companies will be prohibited from contractually preventing doctors from revealing their pricing agreements to referring doctors, the patient, the patient's employer, or people eligible to be a part of that health insurance plan. Restrictions can be placed upon what information is made public. Sec. 204: Reporting on Pharmacy Benefits and Drug Costs Starting at the beginning of 2022, health insurance companies will annually submit a report to the government about the 50 most common prescription drugs they pay for, the 50 most expensive prescription drugs, and the 50 prescription drugs with the greatest increase in price. The report also has to break down the costs of other categories of care, such as hospital visits, provider costs, and drug costs. They will also have to report on the average amount monthly premiums they receive from employers and patients. TITLE XIV - COVID-19 CONSUMER PROTECTION ACT Sec. 1401: Prohibiting Deceptive Acts or Practices In Connection with the Novel Coronavirus For the duration of the public emergency, it will be illegal for "any person, partnership, or corporation" to deceive anyone in association with a COVID-19 treatment, cure, prevention, or diagnosis or a government benefit related to COVID-19. This will be enforced by the Federal Trade Commission and violators can be fined up to $10,000 per violation. Articles/Documents Article: Want a Bigger Stimulus Check? Consider Filing Your Tax Return Early, By Anna Wilde Mathews, Tom McGinty and Melanie Evans, The Wall Street Journal, February 11, 2021 Article: Want a Bigger Stimulus Check? Consider Filing Your Tax Return Early, By Richard Rubin, The Wall Street Journal, February 6, 2021 Article: Surprise Medical Bills: New Protections for Consumers Take Effect in 2022, By KFF.org, February 4, 2021 Article: Freeloaders and the Fed: Scrutinizing the Federal Reserve’s Secondary Market Bond Purchases Under the CARES Act, By Brandon Brockmyer and Ryan Summers, Pogo, February 3, 2021 Article: Amazon’s quarterly revenue hits record $125.6 billion, By Katherine Khashimova Long, Seattle Times, February 2, 2021 Article: Delay in Extending Unemployment Aid Has Shortchanged Workers $17 Billion in January, By Ellie Kaverman and Andrew Stettner, The Century Foundation, February 2, 2021 Article: Judge mulls striking law barring pandemic relief to strip clubs&firstPage=true), By Jody Godoy, Westlaw Today, January 20, 2021 Article: Libor scandal: the bankers who fixed the world’s most important number, By Liam Vaughan and Gavin Finch, The Guardian, January 18, 2021 Article: Unlucky: Do the recent changes to the Federal Reserve’s powers under Section 13(3) of the Federal Reserve Act inhibit future action?, By White & Case LLP, Lexology, January 7, 2021 News Release: U.S. DEPARTMENT OF LABOR ANNOUNCES NEW GUIDANCE TO STATES ON UNEMPLOYMENT INSURANCE PROGRAMS, Department of Labor, December 30, 2020 Document: Estimate for Divisions O Through FF, H.R. 133, Consolidated Appropriations Act, 2021, Public Law 116-260, By Congressional Budget Office, December 27, 2020 Article: Finally Positive News for Nonprofits: $900 Billion COVID-Relief Package Has Been Approved by Congress, By Rachel Lilienthal Stark, National Law Review, December 22, 2020 Article: Congress Acts To Spare Consumers From Costly Surprise Medical Bills, By Julie Appleby, npr, December 22, 2020 Article: Senators reach deal on Fed powers, setting stage for coronavirus relief passage, By Alexander Bolton, The Hill, December 19, 2020 Article: Fight over Federal Reserve powers holding up year-end deal, By Alexander Bolton, The Hill, December 17, 2020 Article: Borrowers looking to use Fed’s Main Street lending program run into dead end, By Steve Liesman, CNBC, December 8, 2020 Article: Admiral Theatre is among a bevy of adult businesses suing to get a PPP loan. So far, the nightclubs are winning., By Robert Channick, Chicago Tribune, May 21, 2020 Article: Joe Biden: The Heartbreaking Car Accident that Killed His Wife and Daughter, By Tim Ott, Biography, September 28, 2020 Sound Clip Sources News Clip: Dr. Fauci: It will be ‘open season’ by April for everyone to receive vaccines, Today, February 11, 2021 Hearing: Safeguarding American Consumers: Fighting Fraud and Scams During the Pandemic, House Committee on Energy and Commerce: Subcommittee on Consumer Protection and Commerce, February 4, 2021 Watch on Youtube Witnesses: Bonnie Patten Executive Director of TruthInAdvertising.org Jessica Rich Distinguished Fellow at the Institute for Technology Law and Policy at Georgetown Law School Former Director of Consumer Protection at the Federal Trade Commission She served at the FTC for 26 years Transcript: 44:40 Bonnie Patten: The list of deceptively marketed products and services exploiting this pandemic is extensive. CBD products marketed to military veterans as a Coronavirus treatment, bleach advertised as a liquid cure all, Wellness Centers targeting first responders, with IV vitamin drips to protect against COVID-19. Amazon and eBay sellers falsely claiming that their PPE FDA approved. Hand sanitizer marketed is protecting for 24 hours against COVID-19. Alleged immune immunity boosting supplements targeting children. Colloidal Silver solutions advertised as having the ability to kill the virus from within. Toothpaste and teeth whitening products claiming to prevent COVID-19 and Sham wellness kits targeting seniors. Unfortunately, the deception does not stop with outrageous health claims. Many are exploiting the economic desperation wrought by this pandemic. Multi level marketing companies claiming people can earn full time pay working part time. Lending companies deceptively using the cares act to exploit college students. Investment scams claiming to have patented COVID cures and financial entities pretending to be SBA authorized lenders to lure in small businesses struggling to keep their workers employed. 46:15 Bonnie Patten: And to make matters worse, the agency primarily charged with policing these deceptive acts, the FTC, is now at risk of losing a mainstay of its enforcement authority and the ability to make victims whole under Section 13-b. Because 13-b does not specifically say anything about equitable relief when a permanent injunction is issued, the Supreme Court is now deciding the remedial scope, if any of 13-b in the case AMG vs FTC. AMG was a payday lending scheme that extracted money from people in desperate circumstances and in its appeal, the company does not dispute that it violated the law. Instead, it argues that the $1.3 billion it's stole should be it's to keep. AMG asserts that it was never Congress's intention for the FTC to return money to victims of fraud under 13-b. Quite to the contrary. AMG argues that this legislative body fully endorsed the notion that wrongdoers should pocket the money they've illegally taken when it drafted 13-b. If the Supreme Court rules in AMG's favor, and this Congress does not act to empower the FTC to seek restitution under 13-b, then the deceptive practices I have enumerated will only multiply. 1:17:40 Jessica Rich: The new law covers a huge amount of scams. It's very broad as to COVID scams. So if a company engages in any of that activity, the FTC can pursue civil penalties and so just as Miss Patton just said, it's very important for deterrence to make it painful for fraudsters to rip off consumers. 1:18:20 Rep. Frank Pallone (NJ): But now that the FTC has this authority to find companies who've committed fraud and scams related to the pandemic under this new law, why is it still important to ensure that the FTC 13 b authority is preserved? Why is that so important? Bonnie Patten: COVID scams are terrible, but they're one of many frauds that the FTC has to fight all year long in and out of a pandemic. So in many of those cases, the FTC doesn't have civil penalty authority, and its rigorous authority is under threat. So it's a much broader problem that goes beyond the COVID scams that are occurring here. And so it still needs to be fixed. 2:23:25 Rep. Darren Soto (FL): Is this being sufficiently used already by the FTC? Do you anticipate gaps in all this law realizing it just was passed? Bonnie Patten: To my knowledge, the FTC has not yet used that act. But that's the only information I know, that there's no public on their website. It does have gaps. It does. You cannot target work from home scams using this, because it's really focused primarily on government benefits, scams and healthcare scams. But what I would say is that, while it's absolutely critical to have an act like this, at this time, during the pandemic, I would warn you that it doesn't provide for coverage for the next disaster. For the next earthquake for the next fire, what have you, there are unfortunately will always be a segment of our population that is in devastating events. And so I think that legislation is necessary that covers all such events and not just focused on the pandemic. Hearing: Examination of Loans to Businesses Critical to Maintaining National Security, Congressional Oversight Commission, December 10, 2020 Witnesses: Eric Rosengren - President and Chief Executive Officer of the Federal Reserve Bank of Boston Gwen Mills - Secretary Treasurer of Unite Here Lauren Anderson - Senior Vice President & Associate General Counsel of the Bank Policy Institute Transcript: 03:20 Bharat Ramamurti: Four months ago, Congress gave the Treasury Department half a trillion dollars to stabilize the economy. The Treasury quickly pledged 75 billion of those dollars to the Federal Reserve's Main Street lending program for small and mid sized companies. After taking three months to set up the program, the Fed has now been operating it for about a month. In that time, it has supported only 18 loans for a total of $104 million. That is 0.017% of the $600 billion lending capacity that the Fed touted for the program in April. 16:07 Eric Rosengren: This facility is very different than some of the other traditional kinds of facilities that central banks operate during a time of crisis. So most of our facilities operate through markets, market securities, you can purchase them very easily through the market. They clear usually in a couple days depending on the security. So it's relatively easy to quickly purchase a large number of securities and hold those securities over time. This facility is a facility we didn't have during the financial crisis, and really tries to get to a different segment of the population, which is those businesses that are bigger than the PPP program was designed for and smaller than what the corporate facilities are designed for. Session: The Senate confirmed two nominations to the National Labor Relations Board, Senate, July 29, 2020 Session: Senate Session, Part 2:The Senate confirmed two nominations, Senate, July 28, 2020 News Clip: Senate GOP outlines next coronavirus relief bill as deadline for enhanced unemployment benefits nears, CBS News, July 28, 2020 Hearing: NO MORE SURPRISES: PROTECTING PATIENTS FROM SURPRISE MEDICAL BILLS, Committee on Energy and Commerce: Subcommittee on Health, June 12, 2019 Watch on Youtube Witnesses: Sonji Wilkes: Patient Advocate Sherif Zaafran, MD: Chair of Physicians for Fair Coverage Rick Sherlock: President and CEO of Association of Air Medical Services James Gelfand: Senior Vice President of Health Policy at The ERISA Industry Committee Thomas Nickels: Executive Vice President of the American Hospital Association Jeanette Thornton: Senior Vice President of Proiduct, Employer, and Commercial Policy at Americas’ Health Insurance Plans Claire McAndrew: Director of Campaigns and Partnerships at Families USA Vidor E. Friedman, MD: President of American College of Emergency Physicians Transcript: 51:50 CEO Rick Sherlock: $10,199 was the median cost of providing a helicopter transport. While Medicare paid $5,998, Medicaid paid $3,463 and the uninsured paid $354. This results in an ongoing imbalance between actual costs and government reimbursement and is the single biggest factor in increasing costs. 53:45 Senior VP James Gelfand: We're focused on three scenarios in which patients end up with big bills they couldn't see coming or avoid. Number one, a patient receives care at an in-network facility, but is treated by an out of network provider. Number two, a patient requires emergency care, but the provider's facility or transportation are out of network. And number three, a patient is transferred or handed off without sufficient information or alternatives. It's usually not the providers you're planning to see. It's anesthesiologists, radiologists, pathologists, or emergency providers or transport or an unexpected trip to the NICU. Many work for outsourced medical staffing firms that have adopted a scam strategy of staying out of networks, practicing at in-network facilities and surprise billing patients. It's deeply concerning, but the problem is narrowly defined and therefore we can fix it. Hearing: Safeguarding American Consumers: Fighting Fraud and Scams During the Pandemic, House Committee on Education and Labor, April 2, 2019 Watch on Youtube Witnesses: Christen Linke Young: Fellow at USC-Brookings Schaeffer Initiative on Health Policy Ilyse Schuman: Senior Vice President for Health Policy at American Benefits Council Frederick Isasi, Executive Director at Families USA Professor Jack Hoadley: Research Professor Emeritus at Georgetown University’s Health Policy Institute Transcript: 33:50 Frederick Isasi: Take for example, one significant driver of this problem. The movement of hospitals to offload sapping requirements for their emergency departments to third party management companies. These hospitals very often make no requirements of these companies to ensure the staffing of the ED fit within the insurance networks that the hospitals have agreed to. As a result, a patient who does their homework ahead of time and rightly thinks they're going to an in network hospital, received services from an out of network physician and a surprise medical bill follows. 43:30 Chairman Frederica Wilson (FL): Under current law, who is responsible for making sure that a doctor or a hospital is in-network? Is it the doctor, the insurance company or the patient themselves? Frederick Isasi: Uh, chairman Wilson, thank you for the question. To be very clear, it is the patient themselves that has a responsibility and these negotiations are very complex. These are some of the most important and intense negotiations in the healthcare sector between a payer and a provider. There is absolutely no visibility for a consumer to understand what's going on there. And so the notion that a consumer would walk into an emergency department and know, for example, that their doctor was out of network because that hospital could not reach agreement on an in-network provider for the ED is absurd, right? There's no way they would ever know that. And similarly, if you walk in and you received surgery and it turns out your anesthesiologist isn't in-network, there's no way for the consumer to know that. Um, and I would like to say there's some discussion about transparency and creating, you know, sort of provider directories. We've tried to do that in many instances. And what we know is that right now the healthcare sector has no real way to provide real actual insight to consumers about who's in-network, and who's out of network. I would-probably everybody in this room has tried at some point to figure out if a doctor's in-network and out of network and as we know that system doesn't work. So this idea that consumers can do research and find out what's happened behind the scenes in these very intensive negotiations is absurd and it doesn't work. 46:30 Professor Jack Hoadley: Provider directories can be notoriously inaccurate. One of the things that, even if they are accurate, that I've seen in my own family is you may be enrolled in Blue Cross-You ask your physician, "are they participating in Blue Cross? They say "yes", but it turns out Blue Cross has a variety of different networks. This would be true of any insurance company, and so you know, you may be in this one particular flavor of the Blue Cross plan and your provider may not participate in that particular network. 1:01:25 Rep. Phil Roe (TN): I've had my name in networks that I wasn't in. That you-that you use, and many of those unscrupulous networks, will use that too to get people to sign up because this doctor, my doctor is in there when you're really not. Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)

Hello Capital Region! This is the Hudson Mohawk Magazine on WOOC-LP 105.3 FM Troy and WOOS-LP 98.9 FM Schenectady broadcasting from The Sanctuary for Independent Media in Troy. Today, on the Hudson Mohawk Magazine, First, HMM’s Dave Publow speaks to Dr. David Walker, public health physician and director of the Institute for Health and the Environment, about biological testing for PFAS in the context of communities that live near the Norlite incinerator Then, on this week’s reclaiming history, HMM host Lovonia interviews Ms. Melanie Evans, the Interim Executive Director of the Dudley Observatory After that a discussion of the recent supreme court case which overturned the SEQRA review for the Pyramid Crossgates development project in the Albany Pinebush ecosystem Then local artists Gracelee Lawrence and Ben Seretan discuss their upcoming window installation at the Bach Library in Albany Finally, we close out the show with local bean-to-bar chocolate maker Oliver Holocek, who recently opened a storefront in the pandemic But first, here are the headlines.

Ms. Melanie Evans is the Interim Executive Director of t Dudley Observatory after a long career in the more terrestrial and aquatic world of zoos and aquariums, and is very excited to expand her enthusiasm for science to beyond our atmosphere. Melanie has more than 15 years of experience in non-profit management Ms. Evans has a Bachelor of Science from University of Manitoba, a professional certificate in Nonprofit Management from Arizona State University. She serves as the main public contact and spokesperson for Dudley Observatory. In this segment of Reclaiming History Lovonia Mallory ask her about the Great Conjunction that will peak on December 21, 2020 and all things Dudley. The Dudley Observatory can be reached at dudleyobservatory.org

P.M. Edition for Nov. 11. A new record of more than 61,000 people are hospitalized in the U.S. due to COVID-19. The surges are straining systems across the nation - especially in the Midwest and rural areas. WSJ hospital reporter Melanie Evans discusses how hospitals are addressing the capacity challenges. Annmarie Fertoli hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

The coronavirus isn't just hitting hospitals by flooding them with patients, it's also squeezing their finances. WSJ's Melanie Evans explains why hospitals across the country are facing financial pain.

As coronavirus cases keep rising, U.S. hospitals are scrambling to prepare. They are trying to avoid the fate of some hospitals in Italy that have been overwhelmed. WSJ's Melanie Evans explains what American hospitals are doing to get ready, and Marcus Walker reports from the epicenter of Italy's outbreak.

The death toll for the new coronavirus in the U.S. rose to nine today. All of the victims are in Washington state, and the majority are linked to one nursing home. WSJ's Melanie Evans tells the story of how the outbreak unfolded there, and Tom Burton explains the government's response.

https://accadandkoka.com/wp-content/uploads/2019/03/Cavale-pic-e1551402110784.jpg ()Arvind Cavale, MD The lure of physician employment seems irresistible and, on the surface, the arguments to justify it are also compelling.  But are physicians selling themselves short? Are they really better off if they become employees of the hospital?  Do they become more efficient?  Are they putting themselves in ethical quandaries?  And what is the way forward when the forces at play seem so overwhelming? Our guest is Dr. Arvind Cavale, an entrepreneurial endocrinologist form Pennsylvania who is bucking the trend with great success, showing that small private practice can remain nimble, adopt technology, and deliver high quality care efficiently.  He shares with us his experience and tips for political advocacy. GUEST: Arvind Cavale, MD: https://twitter.com/endodocPA (Twitter) and https://www.signaturediabetes.org/ (practice website) LINKS: Anna Wilde Matthews and Melanie Evans. https://www.wsj.com/articles/the-hidden-system-that-explains-how-your-doctor-makes-referrals-11545926166 (The Hidden System that Explains How Your Doctor Makes Referrals).  (in the WSJ, December 27, 2018) Michel Accad. http://alertandoriented.com/in-defense-of-the-employed-physician/ (In Defense of the Employed Physician) (in Alert & Oriented) RELATED EPISODES: https://accadandkoka.com/episode54/ (Ep. 54) https://accadandkoka.com/episode54/ (How to Jump Ship and Practice Medicine on Your Own Terms) (with guest Kathleen Brown, MD) Support this podcast

Australian author, Melanie Evans, is my guest on today's program. Her book is entitled "You Can Thrive After Narcissistic Abuse." This is a particularly interesting program-because both myself and my guest have been victims of horrific narcissistic  (sociopathic) abuse by a member of the opposite sex. We tell how to spot this dangerous personality type, the best way to deal with them, which is strict avoidance, and what to do if you become involved anyway.

Sloanie talks to Matt Wolfe of ABC News about the surprise death of Chris Cornell. Gene Montgomery explains his business of Bio Med and getting away from opioids. Steve Harvey's Producer, Shereen defends the memo that Steve sent. Melanie Evans from the Cincinnati Zoo to explain what to do around Bees and Bee Swarms. Julie Klienert talks about Child Car Seats

Melanie Evans, health reporter for the Wall Street Journal, moderates a lively Fireside Chat with Toby Cosgrove, MD, CEO & President, Cleveland Clinic; Steven J. Corwin, MD, CEO, NY-Presbyterian Hospital; and Jena Hausmann, CEO & President, Children's Hospital Colorado, on ways in which hospitals and providers can provide quality care to everyone, regardless of income or vulnerability. GUESTS: Dr. Toby Cosgrove, Cleveland Clinic, Dr. Steven J. Corwin, NY-Presbyterian Hospital, Jena Hausmann, Children's Hospital Colorado HOST: Melanie Evans, Wall Street Journal LOCATION: StartUp Health Festival, San Francisco, CA

Adam welcomes MJ Pangman, co-author, with Melanie Evans, of Dancing With Water: The New Science of Water, to discuss new insights that have been gained since the book was first introduced in 2011. Pangman also served as editor of The Water Puzzle and the Hexagonal Key; Scientific Evidence of Hexagonal Water and its positive influence on health! by … Read more about this episode...

Author MJ Pangman discusses her book Dancing With Water: The New Science of Water (with Melanie Evans) and explains how to refine, structure, and store water.

Adam continues his visit with the co-authors of Dancing With Water: The New Science of Water. From the 110 degree pool at the spa in Lava Hot Springs, Idaho, Melanie Evans describes the role she played as a go-between between worlds. Then he talks further with Pangman about some ancient and inexpensive water transformation tools. (www.dancingwithwater.com) … Read more about this episode...

Realizing that the real nature water has not yet become part of general understanding, Adam is pleased to be one of the first to converse with the authors of a new book on the subject. He travels to Utah and Idaho to speak with MJ Pangman and Melanie Evans, whose book, Dancing With Water. (www.DancingWithWater.com) … Read more about this episode...