Posts Tagged ‘care



21
Sep
13

ObamaCare: Spreading The Good News

by Africa (@lawalazu)

Chuck Todd inspired me to contact all my local media about presenting the facts on Obamacare. I sent this to my local paper yesterday. The executive editor replied me.

This is my letter:

I wish to make a suggestion to the News Journal. Please bear me out and read this to the end.

On October 1, the Affordable Care Act will go into effect. This law will impact the lives of millions of Americans. However there is a lot that many residents may not know about the law. Once implemented, the law is expected to help some 30 million Americans.

Already it is making an impact:

- Medicare’s preventive benefits now come with a free visit with your primary care doctor every year to plan out your prevention services. And there are no more co-pays for preventative services in Medicare.

- Small businesses get big tax credits—up to 50 percent of premium costs—for offering health insurance to their workers.

- Insurers with unusually high administrative costs have to offer rebates to their customers, and every insurance company has to reveal how much it spends on overhead.

- Free birth control and other preventative services for women, unless you work for a faith based organization that opposes birth control.

- Seniors get $250 towards closing the “doughnut hole” in their prescription drug coverage.

(Mother Jones)

And there is much, much more to come once the law is implemented.

I wonder if your newspaper would consider doing a town hall and inviting Pensacolans to hear about what the law offers. Many people do not know some of the simple, but major benefits in the law. For example, that no longer will people be denied service because of pre-existing conditions. Parents who wish to keep their children on their health insurance will be able to do so until the children turns 26. People suffering with substance abuse and mental health issues will no longer go uncovered. Under ACA, they will have insurance.

Just Wednesday, I was able to share this fact with the mother of a 22-year-old, who has a heart condition. While his condition is stable now, she wanted to make sure he had health insurance, in case he ever got sick again. I informed her about the pre-existing component. I also told her that her child could remain on her insurance until 26, if she so desired.

No longer will pregnancies be considered a pre-existing condition.

There are hundreds of thousands like this mom out there. A little bit of information will help residents. The goal is not to convince anyone, but present the facts about the law.

Continue reading ‘ObamaCare: Spreading The Good News’

13
Sep
13

‘If Obamacare goes away, I’m in a world of hurt’

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WTHR: …. Chelsea Wheeler takes nine different medications every day. Pointing to two bottles, she said, “For these alone, it would easily be $3,000 a month.” … she lives with chronic kidney disease …. “When I got sick, I was 13 and it was kidney failure.”

….. Her biggest concern now? Repeal of the Affordable Health Care Act …..

“….. if that goes away, then I’m in a world of hurt, literally”…..

While Chelsea has a good job, because she’s a contract employee she’s not eligible for insurance through the company. With the new law she can continue on her parents’ plan until she turns 26. It pays for all her meds, including those very expensive anti-rejection drugs.

…. “My entire life is based on getting medical care and without the Affordable Health Care Act I would not be able to do it,” she said. “I’d be drowning in debt trying to pay by myself ….. it’s a lifesaver.”

Full post here

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Learn more here

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This is the link to the video – spread far and wide!

14
Aug
13

Eight Ways Obamacare Helps You

WH.gov

Copy, paste, tweet!

18
Jul
13

Heads Up: President Obama statement on the Affordable Care Act

11:25: The President delivers a statement on the Affordable Care Act

White House Live * C-Span * CBS

03
Jul
13

The Good That Is ObamaCare

Information is power. ObamaCare works and is here to stay, so go out into the world and educate people. 2014 is around the corner and we have to be our own news and become even more proactive. Don’t let the media, so called progressive experts or the GOP demoralize you. Even if you only inform one person about the fantastic awesomeness that is ObamaCare, you have created a ripple effect because that person will tell another and another and another. Nobody said implementation of ObamaCare would be easy; Medicare and Social Security had a rough ride initially, but now? Try to mess with them negatively and watch the backlash explode. I will keep on providing tools that will help you disseminate facts and stop the lies. :D

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RWJF: Traditionally, individuals considering leaving their job to strike out on their own have worried that they may be denied health insurance coverage because they have preexisting conditions, fear losing access to a trusted physician, or are unable to afford the premiums without an employer sharing the costs. The result is that some U.S. workers feel “job lock,” being tethered to their jobs and unable to leave, even if their skills and talents no longer match their position.

New research estimates that the number of self-employed Americans will be 1.5 million higher in 2014 because of the Affordable Care Act (ACA). Beginning next year, access to high-quality, subsidized health insurance coverage will no longer be exclusively tied to employment, which could lead people to pursue their own businesses as self-employed entrepreneurs.

More here

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Denise Early: Around 900,000 people living in Arizona do not have health insurance. Over 90% of them will get help from Obamacare. 94% of uninsured people in Tucson will get help paying for their health insurance under Obamacare, according to Enroll America. Based on census data, 50%  of the uninsured in Tucson would qualify for expanded Medicaid. In Arizona, Medicaid is run by AHCCCS, pronounced “access” (Arizona Health Care Cost Containment System). 44% of uninsured Tucsonans would qualify for help with their health insurance premium.

More here

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The White House Blog: The Medicare Trustees reported some good news for seniors and taxpayers: The Medicare program will be solvent through 2026, nearly a decade longer than projected at the time of passage of the Affordable Care Act. This is 2 years longer than projected last year. Their annual report also shows that the long run actuarial deficit in the Hospital Insurance Trust Fund – a measure of its long-term fiscal health – has been cut by more than 70 percent since enactment of the health care law. The long-run Medicare deficit has fallen from 3.88 percent of taxable payroll in the 2009 Trustees Report to 1.11 percent in this report.

These long-run gains are matched by short-term relief: the Trustees also project that the Part B premium will not increase between 2013 and 2014, keeping out-of-pocket costs for beneficiaries down. Medicare cost growth has remained at historically low levels over the past three years even as new benefits for preventive care and prescription drugs have helped tens of millions of beneficiaries access care at lower cost. The law reduces prescription drug costs by closing the donut hole, a policy that has already saved more than 6 million seniors more than $700 each. And more than 32 million seniors have accessed a free preventive service under the law, helping them stay healthy and avoid future illness.

More here

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Ezra Klein and Evan Soltas: In 2009, the Congressional Budget Office predicted that a medium-level “silver” plan — which covers 70 percent of a beneficiary’s expected health costs — on the California health exchange would cost $5,200 annually. More recently, a report from the consulting firm Milliman predicted it would carry a $450 monthly premium. Yesterday, we got the real numbers. And they’re lower than anyone thought.

The way this competition can drive down rates is already evident in Oregon. There, one insurer came in with monthly premium costs in the $169 range, while other insurers asked to charge more than $400. But then, seeing  what their competitors were charging, two insurers came back to the state’s regulators and asked if they could refile at lower rates. Otherwise, they wouldn’t be competitive in the exchange. The Obama administration was ecstatic to see this: It’s exactly what they’re hoping will happen across the country.

More here

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USA TODAY: Market forces and an impetus to attract younger, healthier people into the insurance market will help keep health insurance premiums lower as the 2010 health care law takes effect on Jan. 1, industry analysts and insurance officials say.

“If they price too high, young people won’t buy insurance, and that’s going to hurt the companies,” said Jay Angoff, who led initial implementation of the law for HHS. “They need these people to come in. It’s an industry problem.”

More here

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Ezra Klein: Last week, California released early information on the rates insurers intend to charge on the new insurance marketplaces — known as “exchanges” — that the state is setting up under Obamacare. They were far lower than anyone expected. “This is a home run for consumers in every region of California,” crowed Peter Lee, director of the state’s exchanges. The Affordable Care Act’s critics saw it differently. Avik Roy, a conservative health writer at Forbes, said Lee was being “misleading” and that “Obamacare, in fact, will increase individual-market premiums in California by as much as 146 percent.” Obamacare, he said, would trigger “rate shock,” the jolt people feel when they see higher rates.  Roy got his 146 percent by heading to eHealthInsurance.com, running a search for insurance plans in California and comparing the cost of the cheapest plans to the cost of the plans being offered in the exchanges. That’s not just comparing apples to oranges. It’s comparing apples to oranges that the fruit guy may not even let you buy.

Obamacare-WeLove-Siign

Click to buy the plan and eventually you’ll have to answer pages and pages of questions about your health history. Ever had cancer? How about an ulcer? How about a headache? Do you feel sad when it rains?  Is there a history of cardiovascular disease in your family? Have you ever known anyone who had the flu? The actual cost of the plan will depend on how you answer those questions. According to HealthCare.gov, 14 percent of people who try to buy that plan are turned away outright. Another 12 percent are told they’ll have to pay more than $109.

Comparing the pre-underwriting price of this plan to those in Obamacare’s exchanges is ridiculous. The plans in Obamacare’s exchanges have to include those people. They can’t turn anyone away or jack up rates because of a history of arthritis or heart disease. They also have to offer insurance that meets a certain minimum standard. Under Obamacare, for instance, the out-of-pocket limit for someone making 100 to 200 percent of the poverty line is $1,983. Under the Value 4500, you could spend up to $9,500 before the out-of-pocket limit kicked in. Obamacare also has subsidies for people making up to four times the poverty line. The poor pay next to nothing. The rich pay full freight.

More here

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Sy Mukherjee: Golden State small businesses and their employees got some great news: two of the state’s largest insurers will have to give them over $36 million in insurance rebates because of an Obamacare consumer protection.

The health law forces insurers to spend at least 80 percent of the premiums they charge on paying for actual medical services, rather than administrative overhead or profits. That means more money for ordinary consumers — and less for profitable insurance companies.

The so-called “80/20 rule” put $1.5 billion back into Americans’ pockets in 2011 alone. The average rebate was $151 per family across all insurance markets, and in states where insurers blatantly gouged prices, average rebates topped a whopping $500 per family.

Now, the benefits for Californians with small business health plans are beginning to materialize. Blue Shield of California will be forced to pay back $24.5 million in rebates. Anthem Blue Cross will have to pay back another $12 million.

More here

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Tara Culp-Ressler: A new study focusing on low-income women in St. Louis, MO concludes that expanding access to free contraception — just as the health care reform law does through its provision to provide birth control without a co-pay — leads to significantly lower rates of unintended teen pregnancy and abortion. Researchers found that when women weren’t prohibited by cost, they chose more effective, long-lasting forms of birth control and experienced many fewer unintended pregnancies as a result.

More here

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ThinkProgress: Americans who bought individual health plans in 2012 saved $2.1 billion thanks to Obamacare consumer protections that limit how much insurers can profit off of Americans’ premiums, according to a new study by the Kaiser Family Foundation (KFF). The vast majority of those savings stem from individual health plan providers lowering the premiums they charge Americans in an effort to comply with the reform law.

The Kaiser study comes shortly after several major California insurers announced that they would have to pay back $36 million to small businesses and their employees after charging them too much. Obamacare mandates that insurers on the individual market spend at least 80 percent of the premiums they charge on actual medical services, or reimburse the amount they overspent to their customers.

But insurers can avoid writing those checks after-the-fact if they just lower their premiums to begin with — and KFF’s study concludes that’s what many individual plan providers have been doing.

More here

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President Obama signing the Affordable Care Act into law on March 23rd, 2010.

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