archive-org.com » ORG » P » PENNPIRG.ORG

Total: 461

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".
  • The Young Person's Guide to Health Insurance | PennPIRG
    stay on their parents plan until age 26 No More Dropped Coverage No insurer can drop your policy when you get sick because of paperwork errors You will have the right to appeal any denial of care January 1 2014 Even bigger changes are on the way Pre Existing Condition Denials Are Banned Health insurance plans will no longer be able to deny coverage or hike your rates due to a pre existing condition Gender Discrimination Becomes Illegal The common insurance company practice of charging women more than men for coverage will be against the law You Can Get the Same Benefits as Members of Congress Through new state based health insurance markets called exchanges millions of individuals and small businesses will pool their buying power and negotiate better deals with insurers just like Congress and federal employees do today Coverage Gets a Lot More Affordable If you re having trouble affording coverage and earn less than 44 000 a year as a single person 88 000 for a family of four you will get a tax credit to help you pay the cost of coverage on the exchange But You ll Have to Do Your Part To keep health insurance premiums low it helps if everyone pulls his or her weight and gets covered Otherwise only the sicker more expensive individuals seek insurance So in 2014 all who can afford it must buy coverage People under 30 can purchase a lower cost bare bones plan For a complete timeline and outline of changes under the new law go to www healthcare gov law timeline index html Search form Search About Issues Stop the Overuse of Antibiotics Campaign for Safe Energy Democracy For The People Stop the Highway Boondoggles Close Corporate Tax Loopholes Making Health Care Work Protecting Consumers Label

    Original URL path: http://www.pennpirg.org/reports/pap/young-persons-guide-health-insurance (2016-04-27)
    Open archived version from archive


  • Delivering on the Promise | PennPIRG
    may be accomplished by actively negotiating with plans on behalf of consumers stopping excessive premium hikes setting strong standards and ratings for quality care and opening eligibility to as many individuals and businesses as possible allowing them to pool their bargaining power on a single exchange Protecting against the risk of insurers cherry picking healthy people outside the exchange which would drive up exchange premiums Ensuring that the exchange s governance is transparent accountable and responsive to consumers and businesses interests not those of the insurance industry Lowering Costs and Improving Quality The new law offers a host of opportunities that will allow states to adopt groundbreaking reforms to make their health care systems more efficient and effective Key strategies include prioritizing primary care via coordinated care teams called medical homes promoting the management of chronic diseases to help patients prevent acute flare ups of their conditions bundling payments to hospitals to reward those who provide effective care and encouraging integrated care models called Accountable Care Organizations The specific steps states should take include Adopting these transformative changes in state Medicaid programs Pursuing the grant funding the federal law offers to support these programs Directly implementing these reforms in state employee benefit programs Consumer Protections New protections extended by the reform law will end many of the worst insurance industry abuses But many of these protections will require a state role to ensure that they are enforced and deliver the maximum benefit to consumers Young people up to age 26 will now be able to stay on their parents coverage States should encourage insurers to extend this benefit immediately so that graduating seniors do not lose their coverage and should ensure that young people applying to rejoin family plans can do so without being discriminated against if they are sick The practice of insurers retroactive cancellation of sick enrollees coverage will soon be ended States should further require insurers to get regulatory approval before a patient is dropped The law offers states grant funding to create or strengthen programs to review insurers premium increases States should use these funds to make sure that their programs look at all aspects of an insurers business including the steps they are taking to lower costs and improve quality They should also make rate filings publically available There is also funding to help states set up new temporary high risk pools helping those with pre existing conditions get coverage States should make sure consumers are informed about these options ensure the pools are not used as a dumping ground by insurers and employers and finance them in an equitable fashion Insurers will have to meet new standards for how much they devote to care as against administrative costs States should analyze these new standards to see how they mesh with their existing protections potentially strengthening the federal rules if they would otherwise weaken current state law Beyond the Federal Reform For all the strides taken by the new law there are many important reforms

    Original URL path: http://www.pennpirg.org/reports/pap/delivering-promise (2016-04-27)
    Open archived version from archive

  • Making Health Care Work Updates | PennPIRG
    right And costs are continuing their unsustainable rise Read more about Making the Grade Report PennPIRG Education Fund Health Care The Young Person s Guide to Health Insurance Starting this year under the new health care law young people will gain access to new previously unavailable health insurance options To make the most of those new choices you need to learn the facts This guide is designed to help you do that Read more about The Young Person s Guide to Health Insurance Report PennPIRG Education Fund Health Care Delivering on the Promise The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers businesses and local and state governments as well as how insurers and providers operate But whether Americans experience improved care lower costs and greater access depends largely on what happens next Read more about Delivering on the Promise News Release Health Care As Passage of Health Bill Nears New Estimates of Pennsylvania Job Gains From Lower Premiums WASHINGTON DC As Congress and the White House are locked in the final negotiations over the health care reform bill a new analysis from the consumer group Pennsylvania Public Interest Research Group finds that the legislation will mean between 11 400 and 18 300 more jobs in Pennsylvania With job losses now the central economic issue confronting America the analysis shows that the health care cost savings the bill will achieve will help businesses add new employees Read more about As Passage of Health Bill Nears New Estimates of Pennsylvania Job Gains From Lower Premiums News Release Health Care Senate Makes History on Final Health Reform Votes Inaction by Congress and the power of the health care industry have allowed health care costs to spiral out of control and enabled insurance companies to run roughshod over consumers for decades until now Read more about Senate Makes History on Final Health Reform Votes News Release Health Care CBO s estimates on health insurance premiums Today s CBO report is great news A majority of individuals purchasing individual or family health insurance in the exchange would receive reductions of 56 to 59 percent in premiums below what they would pay under current law Read more about CBO s estimates on health insurance premiums Media Hit Health Care Edinboro businesswoman visits Washington to discuss health care reform Zimmer is one of about 110 small business owners traveling to Washington D C to see their respective congressional leaders Their trip is an effort by the U S Public Interest Research Group to show Congress that these business people want health care reform Read more about Edinboro businesswoman visits Washington to discuss health care reform Media Hit Health Care Health insurance industry getting desperate The health insurance industry is getting desperate Funding a bogus study claiming that health care reform will drive up the cost of coverage Health plan Lobby s Tough Oct 13 is part of a last ditch effort to derail

    Original URL path: http://www.pennpirg.org/node/713/content (2016-04-27)
    Open archived version from archive

  • Protecting Consumers | PennPIRG
    billion is lost from retirement savings to fees and charges according to the Council of Economic Advisors Today we submitted over 7 000 PIRG member comments urging the U S Department of Labor to finalize a strong rule requiring retirement advisors to put the interests of their customers first We also submitted a detailed expert comment of our own in the important conflicted advice rulemaking Keep Reading News Release US PIRG Education Fund Consumer Protection Top 10 List How the CFPB Works for Consumers The Consumer Financial Protection Bureau CFPB turns 4 on July 21st To celebrate and increase public awareness of the agency U S PIRG Education Fund released a new webpage Meet the CFPB Just Ten of the Ways It Works for You Keep Reading News Release US PIRG Education Fund Consumer Protection New Report Mortgage Problems Rank 1 at CFPB for Consumer Complaints Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau CFPB according to a report released today by the U S PIRG Education Fund The report also found that Bank of America was the most complained about company in 45 states and Washington D C for mortgage problems It s the sixth in a series of our reports analyzing nearly 500 000 complaints posted to the CFPB s Public Consumer Complaint Database Keep Reading Pages first previous 1 2 3 4 5 6 7 8 next last Report PennPIRG Education Fund Consumer Protection Trouble in Toyland 2013 The 2013 Trouble in Toyland report is the 28th annual U S Public Interest Research Group PIRG survey of toy safety In this report U S PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards Keep Reading Report PennPIRG Education Fund Consumer Protection Big Credit Bureas Big Complaints This report is the third of several that review complaints to the CFPB nationally and on a state by state level In this report we explore consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting Keep Reading Report PennPIRG Education Fund Consumer Protection Private Loans Public Complaints This report is the second of several that will review complaints to the CFPB nationally and on a state by state level In this report we explore consumer complaint trends in the private student loan sector with the aim of uncovering patterns in the problems consumers are experiencing with their student loans Keep Reading Report PennPIRG Education Fund Consumer Protection Big Banks Big Complaints The Consumer Financial Protection Bureau CFPB was established in 2010 in the wake of the worst financial crisis in decades Its mission is to identify dangerous and unfair financial practices to educate consumers about these practices and to regulate the financial institutions that perpetuate them Keep Reading Report PennPIRG Education Fund Consumer Protection Transparency in City Spending Following our earlier studies of government spending at

    Original URL path: http://www.pennpirg.org/issues/pap/protecting-consumers?page=1 (2016-04-27)
    Open archived version from archive

  • Protecting Consumers | PennPIRG
    in 3 chapters on our Youtube page Keep Reading News Release U S PIRG Consumer Protection PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High Cost Loans Last night on a 32 30 bipartisan vote the House Armed Services Committee supported the Tammy Duckworth IL amendment to strike language from the National Defense Authorization Act that would have delayed Pentagon proposed improvements to the Military Lending Act of 2007 It s a critical victory for servicemembers veterans and their families although the fight to protect our troops from high cost loans will continue Keep Reading News Release U S PIRG Consumer Protection PIRG Commends Release of Labor Dept s Proposed Rule To End Conflicted Retirement Advice PIRG today commended the public release of the Department of Labor s proposed rule that would strengthen the ability for Americans to save for retirement by addressing conflicts of interest that arise when brokers and financial advisers give retirement advice Wall Street will fight the rule hard because it requires them to put consumers first Keep Reading News Release U S PIRG Consumer Protection FCC NET NEUTRALITY ORDER PROTECTS THE OPEN INTERNET Today the FCC took not one but two critical actions to make sure that the Internet works for everybody First it issued a Net Neutrality order guaranteeing a free and open Internet This Internet freedom order will prevent the phone and cable companies from granting fast lanes or other preferences to already powerful firms The FCC also acted to override state laws that prevented local governments from building out broadband networks to compete with the phone and cable companies Keep Reading Pages first previous 1 2 3 4 5 6 7 8 next last Report PennPIRG Consumer Protection Trouble in Toyland The 2012 Trouble in Toyland report is the 27th annual Pensylvania Public Interest Research Group PIRG survey of toy safety In this report PennPIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards Keep Reading Report PennPIRG Consumer Protection Big Banks Bigger Fees Over the last six months state PIRG staff conducted inquiries at 250 bank and 116 credit union branches in 17 states and the District of Columbia and reviewed bank fees online in these and 7 other states This report addresses the following questions How easy is it for consumers to shop around for financial services Are banks complying with current fee disclosure requirements Can consumers still find free or low cost checking accounts or has free checking ended Keep Reading Report PennPIRG Education Fund Consumer Protection Trouble in Toyland The 2011 Trouble in Toyland report is our 26th annual survey of toy safety In this report we provide safety guidelines for consumers when purchasing toys for young children and provide examples of toys currently on store shelves that may pose potential safety hazards Keep Reading Report PennPIRG Education Fund Consumer Protection Big Banks Bigger Fees Since Congress largely

    Original URL path: http://www.pennpirg.org/issues/pap/protecting-consumers?page=2 (2016-04-27)
    Open archived version from archive

  • Protecting Consumers | PennPIRG
    close loopholes and to require Wall Street and other financial advisors to put consumers first when they give retirement advice Wall Street has already launched a misleading attack Read more to see our statement supporting the proposal which will put billions of dollars back into retirement accounts Keep Reading Media Hit Consumer Protection Safety Group s Annual Report Lists Latest Unsafe Holiday Toys CBS News Philadelphia covers PennPIRG s release of the 28th annual Trouble in Toyland report Keep Reading News Release PennPIRG Education Fund Consumer Protection Survey Finds Dangerous Toys on Store Shelves Dangerous or toxic toys can still be found on America s store shelves according to U S Public Interest Research Group s 28th annual Trouble in Toyland report The survey of hazardous toys found that despite recent progress consumers must still be wary when shopping this holiday season Keep Reading News Release PennPIRG Education Fund Consumer Protection Report In Pennsylvania Experian Gets Big Complaints Keep Reading News Release PennPIRG Education Fund Consumer Protection New Report Identifies Most Troublesome Private Lenders to Students Keep Reading Pages first previous 1 2 3 4 5 6 7 8 next last Report PennPIRG Education Fund Consumer Protection Trouble in Toyland In 2008 Congress responded to an unprecedented wave of recalls of toys and other children s products by passing the first major overhaul of the Consumer Product Safety Commission since it was established during the Nixon Administration By passing the landmark Consumer Product Safety Improvement Act CPSIA in August 2008 Congress not only expanded the agency s budget it also gave the CPSC more tools to hold corporate wrongdoers accountable and speed recalls moved toward banning toxic lead and phthalates except in trace amounts and greatly improved import surveillance Keep Reading Report PennPIRG Education Fund and Media and Democracy Coalition Consumer Protection A Public Interest Internet Agenda Connecting our entire nation via high speed broadband will bring remarkable economic social cultural personal and other benefits Robust economic development job creation improved health care at lower costs enhanced educational opportunities increased homeland security and public safety reduced energy consumption and pollution a reinvigorated democracy and more open government these are just a few of the benefits that will flow from our nation linking its entire population to the Internet at broadband speed Keep Reading Report PennPIRG Education Fund Consumer Protection PIRG s Trouble In Toyland The recall of 45 million toys and other children s products in 2007 and continued recalls in 2008 reminded Americans that no government agency tests toys before they are put on the shelves Specifically the wave of recalls focused attention on the fact that the agency charged with protecting Americans from unsafe products the Consumer Product Safety Commission is a little agency with a very big job to do Keep Reading Pages first previous 1 2 3 4 Blog Post Consumer Protection Data Breach Here Data Breach There Data Breach Everywhere Ed Mierzwinski UPDATED 10 June Re DHS Breach If you shop with plastic have health

    Original URL path: http://www.pennpirg.org/issues/pap/protecting-consumers?page=3 (2016-04-27)
    Open archived version from archive

  • Protecting Consumers | PennPIRG
    of America was the most complained about company in 45 states and Washington D C for mortgage problems It s the sixth in a series of our reports analyzing nearly 500 000 complaints posted to the CFPB s Public Consumer Complaint Database Keep Reading Pages first previous 1 2 3 4 5 6 7 8 9 next last Media Hit Consumer Protection Financial Reform Consumer Financial Protection Bureau helps with bank complaints Since it started accepting complaints about banks 18 months ago the Consumer Financial Protection Bureau has helped thousands of irate customers settle disputes over their accounts with roughly 1 out of 4 complaints resulting in monetary relief a just released analysis by a consumer group shows Keep Reading News Release PennPIRG Education Fund Consumer Protection Financial Reform New Report Identifies Banks Consumers Complain About Most Thousands of Americans are using the Consumer Financial Protection Bureau s public Consumer Complaints Database to settle disputes with their banks according to a new report from the PennPIRG Education Fund The report highlights banks that generated the most complaints through their various banking services in each state Keep Reading News Release PennPIRG Consumer Protection New Survey Shows Free Checking Widely Available At Small Banks But Banks Still Hiding Fees from Consumers Keep Reading News Release PennPIRG Consumer Protection Small Farmers and Citizens Speak Out Against Agricultural Subsidies in Farm Bill Small farmers and ordinary citizens across the country are taking a stand against wasteful agricultural subsidies in the federal Farm Bill With only a few weeks left before they adjourn for the election reauthorizing or extending the Farm Bill is one of Congress s top priorities Keep Reading Media Hit Consumer Protection Debt Trap Keep payday and predatory lenders out of Pennsylvania Editorial The Patriot News Editorial board speaks out against a bill that would allow payday lenders to charge triple diget interest rates This bill is opposed by PennPIRG and a coalition of organizations throughout Pennsylvania Keep Reading Pages first previous 1 2 3 4 5 6 7 8 next last Blog Post Consumer Protection As House Holds Oversight Hearing 340 Groups Call For Defense of CFPB Ed Mierzwinski Today Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB s sixth semi annual report to the House Financial Services Committee whose majority members have been harsh critics of the successful consumer agency Americans for Financial Reform joined by the state PIRGs and a total of 340 national state and local groups sent Congress a letter explaining why the idea of the CFPB needs no defense only more defenders Keep Reading Blog Post Consumer Protection Coalition Launched To Protect Retirement Savings from Wall Street Loopholes Ed Mierzwinski We ve joined AARP the Consumer Federation of America AFL CIO Americans for Financial Reform and other leading groups to support an imminent Department of Labor rule to require retirement advisors to put consumers first Wall Street brokerages and insurance companies have already launched a fierce lobbying attack since they ve been using

    Original URL path: http://www.pennpirg.org/issues/pap/protecting-consumers?page=4 (2016-04-27)
    Open archived version from archive

  • Protecting Consumers | PennPIRG
    the way data brokers use black box or secret algorithms to make scoring decisions that may violate the law and deny credit opportunities This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book The Black Box Society We ve now posted an archive of that event in 3 chapters on our Youtube page Keep Reading Pages first previous 2 3 4 5 6 7 8 9 10 next last News Release PennPIRG Education Fund and Demos Consumer Protection Report Pennsylvania Lives at Risk Philadelphia PA A new report by Demos and PennPIRG finds that Pennsylvanian s lives health and livelihoods would be at risk if so called regulatory reform proposals were to become law slowing or stopping the regulatory process Keep Reading News Release PennPIRG Consumer Protection Survey Finds Toxic or Dangerous Toys on Store Shelves Dangerous or toxic toys can still be found on America s store shelves according to Pennsylvania Public Interest Research Group s 26th annual Trouble in Toyland report Keep Reading Media Hit Consumer Protection Inquirer Consumer Blog Pointlessly dangerous toys 2011 edition Toys made with lead and phthalates continue to pose needless risks to U S children according to the annual Trouble in Toyland report from U S PIRG Its findings are worth keeping in mind this holiday season as you shop or unwrap gifts for your kids especially for the babies and toddlers most as risk Keep Reading Media Hit Consumer Protection Patriot News Report targets unsafe toys in time for holidays Consumer watchdog the Pennsylvania Public Interest Research Group announced this morning it s better if some toys are never purchased for under the Christmas tree Keep Reading Media Hit Consumer Protection PA Matters Despite Improvements still Trouble in Toyland The annual Trouble in Toyland report from the U S Public Interest Research Group shows there are still toxic toys on the shelves despite improvements Keep Reading Pages first previous 1 2 3 4 5 6 7 8 next last Blog Post Consumer Protection DON T FREEZE OUR PUBLIC HEALTH AND CONSUMER SAFETY PROTECTIONS Alana Miller Last year in the 175 days that the U S House of Representatives was in session it passed more than 190 anti regulatory bills Putting profits over public safety and they are still at it Next up is H R 4078 the Regulatory Freeze for Jobs Act of 2012 a bill that wrongly calls for a halt on all public health and consumer safety protections until the unemployment rate reaches six percent The House Judiciary Committee is expected to mark up the bill today Tuesday March 20 Keep Reading Blog Post Consumer Protection 50 YEARS AGO THIS WEEK JFK USHERED IN MODERN CONSUMER PROTECTION ERA Alana Miller Ed Mierzwinski People of almost any age know a lot about the Kennedy administration with its optimistic beginnings and its sudden tragic end Yet many have probably never heard of one of JFK s important legacies his declaration that consumers have

    Original URL path: http://www.pennpirg.org/issues/pap/protecting-consumers?page=5 (2016-04-27)
    Open archived version from archive



  •