11 November 2013 0 Comments

The Affordable Care Act

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The country is changing rapidly and new laws are being introduced every year. One of the most controversial changes has been the Affordable Care Act.

Even though it is an act that is intended to provide low cost health care to the average American, thousands and thousands of people are against it.

The Affordable Care Act, also known as Obamacare, was signed into law by President Barack Obama on March 23, 2010.

The purpose is to improve the health care system in the United States by providing health care to those who could not afford it previously, as well as protecting existing health insurance policy holders.

According to the Obama Administration, those who already have health insurance will benefit in many ways, such as not having their insurance company cancel their policy if they get sick. Out-of-pocket expenses will be covered for specific preventive and screening services, such as mammograms and colonoscopies.

The Act requires all Americans who currently do not have health insurance coverage to have it beginning in 2014. Financial assistance will be available for those who cannot afford it. If an individual chooses not to be covered, he or she will have to pay a fee.

Individuals with jobs and no health insurance, as well as those with pre-existing conditions, should find it easier to have coverage.

Some of the details of The Affordable Care Act include:

  • Parents can keep their children on their health insurance plans until they reach 26 years old. This includes children who no longer live at home, are out of school, and are not financially dependent on their parents. It also includes married children; however, their spouses and offspring will not be covered.
  • Parents who had plans in place before March 23, 2010 can enroll their young adult children into their plans if those are not eligible for their own employer-sponsored plan.
  • Employers with less than 25 employees may receive help in funding the cost of providing health insurance.
  • Children (up to age 19) with pre-existing conditions may not be denied health coverage by insurance companies.
  • Premiums will not be raised for babies or children because of a pre-existing condition.
  • Adults with a pre-existing condition who have been uninsured for at least six months may now get insurance.
  • Individuals in the “doughnut hole” can receive a 50% discount on brand-named prescription drugs and a 7% discount on generic ones.

The Affordable Care Act covers preventive care at no cost to you. It protects your choice of doctors and removes insurance company barriers to emergency services.

Many families here in the Inland Empire will be affected by the Affordable Care Act. Although the Federal website has been experiencing technical difficulties since it started, the official site in California is www.coveredca.com.

The following are some key points we found on California’s website:

  • Covered California™ will make it more affordable for millions of Californians to get health insurance, including Medi-Cal. It cannot be cancelled or denied because of a pre-existing condition.
  • Legal Californians can shop online, in person or by phone for affordable health insurance coverage.
  • Will be able to compare health insurance companies.
  • Will learn how you can use Federal financial assistance if necessary
  • Learn if you are eligible for low- or no-cost Medi-Cal.
  • All plans will cover doctor visits, hospitalization, emergency care, maternity care, pediatric care and prescriptions.

Conclusion

When you have health insurance coverage, you don’t have to wait until a small health problem becomes a big, serious one. You and your family will have access to preventive care and a network of doctors who will keep you healthy.

When the law is fully in effect in 2014, insurance companies will no longer be able to deny coverage to anyone with a pre-existing condition. Health care will be guaranteed to almost all Americans.

On the other hand, the downside is that Americans will be required to buy health insurance whether they want it or not. However, if they cannot afford it, assistance will be available.

The bottom line is that the Affordable Care Act will make healthcare a possibility for everyone in the United States.

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