Health Insurance Marketplace
Navigator Standard Operating Procedures Manual
http://www.healthreformgps.org/wp-content/uploads/navigator-SOP-manual-8-26.pdf
Confidential Obamacare Navigator training manual uploaded online
“INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.”
That is the warning at the bottom of every page of the 217-page confidential Obamacare Navigator training manual sitting online for anyone to come across –and as Watchdog.org reports, that’s exactly what someone did.
Tammy Duffy, a radiation health physicist from New Jersey, was talking with Obamacare Navigators one day and asked a question regarding people who are self-employed, in which they could not provide an answer. She then asked for a copy of the manual, which they would not give her since it’s not meant to be available to the public.
“I asked the nice ladies for a copy and they said I could not have it because it was a government document not for the public. So I thought maybe there is an outline or shorter version that is for the public. I went to Google and typed in ‘healthcare insurance marketplace Navigator SOP,” Duffy said.
Sure enough, a Google search of “Healthcare insurance marketplace Navigator SOP” yields a link back to the “Health Insurance Marketplace Navigator Standard Operating Procedures Manual.” The manual is labeled as “restricted distribution” by the Department of Health and Human Services (HHS) and threatens prosecution to anyone authorized to view it who ultimately disseminates it to unauthorized people — and it’s online for everyone to see
Topic: . - page 20. (Read 46178 times)
http://online.wsj.com/news/articles/SB10001424052702303722104579240140554518458
Companies Use Information From Data Brokers, Pharmacies, Social Networks
Some health-care companies are pulling back the curtain on medical privacy without ever accessing personal medical records, by probing readily available information from data brokers, pharmacies and social networks that offer indirect clues to an individual's health.
Companies specializing in patient recruitment for clinical trials use hundreds of data points—from age and race to shopping habits—to identify the sick and target them with telemarketing calls and direct-mail pitches to participate in research.
Blue Chip Marketing Worldwide, a drug-industry contractor, found patients for an obesity drug by targeting people with characteristics suggestive of a sedentary lifestyle, like subscribing to premium cable TV and frequent fast-food dining. Acurian Inc., one of the largest recruitment companies, says innocuous personal details—a preference for jazz, owning a cat or participation in sweepstakes—helped it home in on patients for an arthritis study.
"We are now at a point where, based on your credit-card history, and whether you drive an American automobile and several other lifestyle factors, we can get a very, very close bead on whether or not you have the disease state we're looking at," said Roger Smith, senior vice president of operations at Horsham, Pa.-based Acurian, a unit of Pharmaceutical Product Development LLC.
Targeted advertising has long been used in the retail industry, but its use in health care is raising new concerns. Privacy experts and bioethicists say that as data-mining methods become more sophisticated, it is becoming harder to keep medical conditions private. Targeted consumers have complained to regulators about intrusive tactics and worries that their medical records have been compromised.
"My private information, especially my medical information, I'm extremely protective of it," says Delbert Kerby, 62 years old, of Rocklin, Calif. The telecommunications consultant says he was surprised when telemarketers called him last year about a study of arthritis. The company didn't leave its name, he says, but he filed a complaint with the Federal Trade Commission about the call. (He has arthritis but has no idea how the company targeted him.)
Federal law bars doctors, insurers and other health-care providers from sharing or selling personally identifiable information in patients' medical records without permission, under the Health Insurance Portability and Accountability Act, or HIPAA. The law doesn't, however, protect the clues that people leave about their health outside of their medical records—when they make credit-card purchases or search the Internet. Law professor Nicolas P. Terry calls such information "medically inflected data."
"I think patients would be shocked to find out how little privacy protection they have outside of traditional health care," says Mr. Terry, professor and co-director at the Center for Law and Health at Indiana University's law school. He adds, "Big Data essentially can operate in a HIPAA-free zone."
Research firms and patient recruiters, including both Blue Chip and Acurian, say they abide by HIPAA and privacy laws.
Companies Use Information From Data Brokers, Pharmacies, Social Networks
Some health-care companies are pulling back the curtain on medical privacy without ever accessing personal medical records, by probing readily available information from data brokers, pharmacies and social networks that offer indirect clues to an individual's health.
Companies specializing in patient recruitment for clinical trials use hundreds of data points—from age and race to shopping habits—to identify the sick and target them with telemarketing calls and direct-mail pitches to participate in research.
Blue Chip Marketing Worldwide, a drug-industry contractor, found patients for an obesity drug by targeting people with characteristics suggestive of a sedentary lifestyle, like subscribing to premium cable TV and frequent fast-food dining. Acurian Inc., one of the largest recruitment companies, says innocuous personal details—a preference for jazz, owning a cat or participation in sweepstakes—helped it home in on patients for an arthritis study.
"We are now at a point where, based on your credit-card history, and whether you drive an American automobile and several other lifestyle factors, we can get a very, very close bead on whether or not you have the disease state we're looking at," said Roger Smith, senior vice president of operations at Horsham, Pa.-based Acurian, a unit of Pharmaceutical Product Development LLC.
Targeted advertising has long been used in the retail industry, but its use in health care is raising new concerns. Privacy experts and bioethicists say that as data-mining methods become more sophisticated, it is becoming harder to keep medical conditions private. Targeted consumers have complained to regulators about intrusive tactics and worries that their medical records have been compromised.
"My private information, especially my medical information, I'm extremely protective of it," says Delbert Kerby, 62 years old, of Rocklin, Calif. The telecommunications consultant says he was surprised when telemarketers called him last year about a study of arthritis. The company didn't leave its name, he says, but he filed a complaint with the Federal Trade Commission about the call. (He has arthritis but has no idea how the company targeted him.)
Federal law bars doctors, insurers and other health-care providers from sharing or selling personally identifiable information in patients' medical records without permission, under the Health Insurance Portability and Accountability Act, or HIPAA. The law doesn't, however, protect the clues that people leave about their health outside of their medical records—when they make credit-card purchases or search the Internet. Law professor Nicolas P. Terry calls such information "medically inflected data."
"I think patients would be shocked to find out how little privacy protection they have outside of traditional health care," says Mr. Terry, professor and co-director at the Center for Law and Health at Indiana University's law school. He adds, "Big Data essentially can operate in a HIPAA-free zone."
Research firms and patient recruiters, including both Blue Chip and Acurian, say they abide by HIPAA and privacy laws.
UPDATE:
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
Ooops - looks like you are joining the Communist hordes then!
I deleted my trollish reply
Congratulations on getting good insurance.
UPDATE:
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
Ooops - looks like you are joining the Communist hordes then!
I deleted my trollish reply
Congratulations on getting good insurance.
UPDATE:
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
well I finally got around to checking prices at the Obama care website. I did find a better plan for less money, about $200/month better. I'm buying it tonight. So even though the website exploded on the launchpad, it did save me a lot of money.
Ooops - looks like you are joining the Communist hordes then!
@Honeypot
Fucking lol, it scares me that there are people like you in the world. I've got nothing more to say about your unhinged rant, enjoy the rest of your bitter hate-filled life. Watch out for scary black people!!!
Fucking lol, it scares me that there are people like you in the world. I've got nothing more to say about your unhinged rant, enjoy the rest of your bitter hate-filled life. Watch out for scary black people!!!
LOL you think blacks in US are 'scary'
Minorities in US are too cute/
http://www.politifact.com/truth-o-meter/article/2013/dec/12/lie-year-if-you-like-your-health-care-plan-keep-it/
(Politifact is no foxnews, to the contrary)
It was a catchy political pitch and a chance to calm nerves about his dramatic and complicated plan to bring historic change to America’s health insurance system.
“If you like your health care plan, you can keep it,” President Barack Obama said — many times — of his landmark new law.
But the promise was impossible to keep.
So this fall, as cancellation letters were going out to approximately 4 million Americans, the public realized Obama’s breezy assurances were wrong.
Boiling down the complicated health care law to a soundbite proved treacherous, even for its promoter-in-chief. Obama and his team made matters worse, suggesting they had been misunderstood all along. The stunning political uproar led to this: a rare presidential apology.
For all of these reasons, PolitiFact has named “If you like your health care plan, you can keep it,” the Lie of the Year for 2013. Readers in a separate online poll overwhelmingly agreed with the choice.
---------------------------------
https://mobile.twitter.com/samsteinhp/status/411254091730665473?screen_name=samsteinhp
For four of the past five years, PolitiFact’s Lie of the Year has revolved around the health care law, which has been subject to more erroneous attacks than any other piece of legislation PolitiFact has fact-checked.
Obama’s ideas on health care were first offered as general outlines then grew into specific legislation over the course of his presidency. Yet Obama never adjusted his rhetoric to give people a more accurate sense of the law’s real-world repercussions, even as fact-checkers flagged his statements as exaggerated at best.
Instead, he fought back against inaccurate attacks with his own oversimplifications, which he repeated even as it became clear his promise was too sweeping.
(Politifact is no foxnews, to the contrary)
It was a catchy political pitch and a chance to calm nerves about his dramatic and complicated plan to bring historic change to America’s health insurance system.
“If you like your health care plan, you can keep it,” President Barack Obama said — many times — of his landmark new law.
But the promise was impossible to keep.
So this fall, as cancellation letters were going out to approximately 4 million Americans, the public realized Obama’s breezy assurances were wrong.
Boiling down the complicated health care law to a soundbite proved treacherous, even for its promoter-in-chief. Obama and his team made matters worse, suggesting they had been misunderstood all along. The stunning political uproar led to this: a rare presidential apology.
For all of these reasons, PolitiFact has named “If you like your health care plan, you can keep it,” the Lie of the Year for 2013. Readers in a separate online poll overwhelmingly agreed with the choice.
---------------------------------
https://mobile.twitter.com/samsteinhp/status/411254091730665473?screen_name=samsteinhp
For four of the past five years, PolitiFact’s Lie of the Year has revolved around the health care law, which has been subject to more erroneous attacks than any other piece of legislation PolitiFact has fact-checked.
Obama’s ideas on health care were first offered as general outlines then grew into specific legislation over the course of his presidency. Yet Obama never adjusted his rhetoric to give people a more accurate sense of the law’s real-world repercussions, even as fact-checkers flagged his statements as exaggerated at best.
Instead, he fought back against inaccurate attacks with his own oversimplifications, which he repeated even as it became clear his promise was too sweeping.
Obama? The empty and naive school boy who thinks half the color of his skin grants him immunity from genuine criticism?
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
What exactly does the colour of Obama's skin have to do with Obamacare? No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
It's painfully obvious you are not a 'minority', any chance you could provide some evidence of how he 'panders to his ilk'?
I wouldn't expect a western-grown naive fool to recognize a real minority when he hears one. Obviously since I am willing to speak the the necessary truth, I must be branded as either a 'fake' or a 'race traitor'. Such childish and typical bitching attitude from privileged minorities in the west.
If there's anything foreigners in other nations hate more than a proud American, is an uppity and mouthy US minority punks who thinks world owes them a favor.
They display the worst negative stereotypes of an American better and louder than any White American I have ever met: No guts, no spine, no fucking idea what they bitch about yet feels entitled to demand shit from others and desperately try to look down on other people because their parents ran away from their own country. Not to mention their own parents seem to think any and all failing of the spoiled fucks they call their kids is due to the 'corrupting' influence of US, while any success must be attributed to their 'superior' parenting based on their 'unique and superior culture'.
As for the supposed 'racial slur', I suggest you grow some fucking spine. This president of ours clearly believes the color of his skin should dictate his way of life. Ironically, he is possibly more racially biased than any white man I've met in terms of letting his racial posturing poison his view of the world. That's one of the reasons why rest of the world took him to school and more or less bitch slapped him around during the Syrian issue. It ultimately had to do with the fact that Obama bought into his own hype and acted as if he could make do on international stage as he had done domestically: Bringing himself out as if he is some kind of moral icon that demands guilt and moral hostage situation from all who know him.
As I said, the uppity boy got FUCKED GOOD.
I have no problem calling somebody something which they believe themselves to be. I have every respect for people like Colin Powell and Condoleeza Rice, or for those with the courage to see beyond their compatriot's idiotic and fucking childish bitch fest they call 'civil rights' these days. But infantile and childish fucks who are too busy bitching and moaning try to tell others that people such as Powell and Rice are 'house negroes' and 'uncle toms'. As if any one of them still bitching have ever even pissed into a colored toilet.
I have no respect for those who behave in such manners as to outshine any racist KKK member in terms of behaving spoiled and mouthy.
I don't give a two shit about the bitchfest dark skinned people in US engage in so that they may buttress their 'pride' while shitting away half a grand on watches and shoes. I personally don't think my darker skin gives me greater moral authority over people of US.
So, boy it is. What else would you expect from this punk besides obamacare?
It's painfully obvious you are not a 'minority', any chance you could provide some evidence of how he 'panders to his ilk'?
Yeah, I can't see it either. If anything, his 'ilk' have been getting the shaft even worse than under George Jr. I could respect it, if simple favoritism were his modus operandi.
Obama? The empty and naive school boy who thinks half the color of his skin grants him immunity from genuine criticism?
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
What exactly does the colour of Obama's skin have to do with Obamacare? No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
It's painfully obvious you are not a 'minority', any chance you could provide some evidence of how he 'panders to his ilk'?
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
I find your choice of wording, strange.
Maybe I don't care so much about ethnic allegiances as much as I care about the country I am loyal to. If that is such a strange idea, you better rethink what it means to belong to and being a part of a group.
I was referring to a self-described minority calling the POTUS "this boy". I find it odd that any American, and particularly one who believes himself to be a minority, to use a common (if minor) racial slight against a duely elected US president. Or do you not agree that his relection was fair and proper? I presume that your minority status wouldn't be of an African racial decent.
Obama? The empty and naive school boy who thinks half the color of his skin grants him immunity from genuine criticism?
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
Obama? The empty and naive school boy who thinks half the color of his skin grants him immunity from genuine criticism?
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
Wait, so Michelle's the power behind the throne? Even scarier... No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
I find your choice of wording, strange.
Maybe I don't care so much about ethnic allegiances as much as I care about the country I am loyal to. If that is such a strange idea, you better rethink what it means to belong to and being a part of a group.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
I find your choice of wording, strange.
Obama? The empty and naive school boy who thinks half the color of his skin grants him immunity from genuine criticism?
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
No body outside of US cares or gives a two shit about that kind of pathetic PC bullshit, and will gladly show him how deluded and childish such notion is. Chinese and Russians think he's a joke, and Putin pretty much nuclear ass fucked the boy during their last encounter over Syria.
Obamacare.......is a lying piece of garbage drawn up by people who have no idea what it means to fund healthcare over long term. It is an incredibly weak and amateurish attempt, which is just what I would expect from this high school boy-in-chief.
Obama's nothing but a bitch made punk who is outclassed, outwitted, and outsmarted both internationally and domestically. This boy and his ilk tries to pander to minorities like me in US using color of his skin as some sort of a pass.
Is it any wonder than, that we received this incredibly incompetent and ignorant 'reform' that ignores all realities of american health care system?
Pathetic.
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