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MAKE THE AFFORDABLE HEALTH CARE WORK FOR YOU!
Last comment by timeontarget 1 year, 7 months ago.

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Candace Y.A. Montague reports ways to make the healthcare plan work in your favor. Candace is an health advocate.

I feel it is important to share this information with the community and people in need of health care. "People Parish for the lack of knowledge" (Bible)....

I also want to know if you plan to sign up for the Affordable Health Care.

Now that the Affordable Care Act is law, consumers can start exploring health insurance plans that will suit their needs and budgets, protect their rights, and lower the cost to tax payers.

It begins with the Marketplace.

Part of the health care act includes providing an exchange that puts the consumer in control of their health insurance. Consumers have the power to determine which plan will work best for them and they are protected from discriminatory practices that, in the past, would have locked them out of coverage.

How it Works

Beginning in October 2013, consumers will shop for health insurance the same way they shop for travel deals: comparatively. They will log on to their state’s health department website and compare the plans, the costs, and the benefits side-by-side. Insurers can no longer refuse to sell consumers a policy and must comply with the new consumer protections. If a customer prefers to purchase insurance on their own through a private broker, they are free to do so as well.

Open enrollment will begin on October 1,2013 and end on March 31, 2014. Within that time frame, consumers must apply for the insurance of their choice. By the end of 2014, everyone who files taxes must provide proof of health insurance. If they fail to do so, they may incur a penalty from the IRS.

The Essentials

All health insurance plans will offer a basic essentials package. Anton Gunn, director of external affairs in the Office of Intergovernmental and External Affairs (IEA) at the U.S. Department of Health and Human Services, describes the essentials as everything you need to remain healthy.

“Beginning in October, all health insurance plans will have something called essential health benefits,” he explains. “It will cover ambulatory care, patient care, and hospital care. “

He adds that the package covers services that were not always offered in the past or were more costly, such as maternity and newborn care, mental health and substance abuse. Prescription drugs and preventative services like mammograms and flu shots are included.

“All the preventative care services you need to stay healthy,” Gunn says. “So beginning in October, there are going to be a lot of benefits for a lot of people that they didn’t have before the Affordable Care Act.”

The ‘Look Fors’

When shopping for health insurance, it is important that the consumer closely examines their own needs so that they can find the options that best fit their situation. According to Healthcare.gov, there are several “Look Fors” that should be considered when exploring the marketplace.

Some notable suggestions are:

Determine what you will have to pay out of your own pocket for covered services (deductible, co-insurance, copayments, and out-of-pocket limit)

Check whether the plan’s health care providers include your current providers.

Inquire about whether or not the provider’s location is convenient for you.

Check whether the plan covers the health care services and medications you require.

Beware of insurance-like products that don’t offer comprehensive coverage.

Gunn explains that there are several programs that sound like insurance coverage but fail to provide coverage for what a patient really needs.

“I used to have a type of coverage that gave me a card for my pocket, but when I went to use it there were so many important services that weren’t covered like lab work,” he recalls. “It only covered things like accidents. It didn’t cover many of the things that I needed. So beware of that kind of coverage.”

Giving consumers the power of choice is just one of the features of the Affordable Care Act. Over the next few articles, theGrio.com will explore what else the public can expect from this law and how it will change health care in America.

For more information about the marketplace, visit www.healthcare.gov.


Latest Activity: Mar 12, 2013 at 7:02 PM


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HMJC commented on Wednesday, Mar 13, 2013 at 08:20 AM

"By the end of 2014, everyone who files taxes must provide proof of health insurance. If they fail to do so, they may incur a penalty from the IRS."

"Taxation without Representation" The American people were not able to vote on this, it was shoved down their throats.

How does this enable people that couldn't afford health care previously afford it now? This clearly illistrates the concept of adding more contributions for taxpayers to continue to support those who pay nothing.

HMJC commented on Wednesday, Mar 13, 2013 at 08:33 AM
PoliticsNation commented on Wednesday, Mar 13, 2013 at 09:37 AM

Counter point....

The New York Times provided the following in its Prescriptions blog's June 2, 2010 post Since the health care law expands the Medicaid program to cover adults with incomes up to 133 percent of the federal poverty level ($19,378 for two people in 2009/2010), you may qualify for Medicaid coverage.
If your employer offers insurance but your contribution would exceed 9.5 percent of your income, you can go onto the health insurance exchanges and look for coverage there. People with incomes up to 400 percent of the poverty level ($58,280 for a couple in 2010)CAN QUALIFY FOR SUBSIDIES TO HELP MAKE COVERAGE AFFORDABLE.

But if even the least-expensive plan on the health insurance exchange would exceed 8 percent of your income, you will not be required to buy it AND YOU WON'T BE PENALIZED FOR IT.'"

PoliticsNation commented on Wednesday, Mar 13, 2013 at 09:47 AM

Educate yourselves on the affordable health care

Patient's Bill of Rights

www.healthcare.gov/law/index.html

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

The Patient's Bill of Rights:

•Provides Coverage to Americans with Pre-existing Conditions: You may be eligible for health coverage under the Pre-Existing Condition Insurance Plan.
•Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
•Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
•Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
•Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
•Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
•Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
•Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.
•Restricts Annual Dollar Limits on Coverage: Annual limits on your health benefits will be phased out by 2014.
•Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.
Since the Patient’s Bill of Rights was enacted, the Affordable Care Act has provided additional rights and protections.

The health care law:

•Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
•Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

JimmyMack commented on Wednesday, Mar 13, 2013 at 13:21 PM

Well done, PN.

HMJC commented on Wednesday, Mar 13, 2013 at 13:40 PM

Again I ask how does this enable parties that could not afford healthcare to be able to do so now. Bottom line is revenue is being generated by forcing people to carry healthcare.

up2sumptin commented on Wednesday, Mar 13, 2013 at 13:53 PM

It doesn't. Affordable healthcare is an oxymoron.

gacpl commented on Wednesday, Mar 13, 2013 at 19:43 PM

it all sounds good till you look at the long term cost. it has already caused ge. to move their medical division over seas and more will follow. vet bills are going up too due to the cost of manufacturing medical equipment. some doctors are quitting the profession. the costs to consumers are already starting to go up due to new requirements. it will get really bad after 2016. just wait and see.

PoliticsNation commented on Wednesday, Mar 13, 2013 at 21:45 PM

The doctors will be step back into their profession..Their pouting right now. Emory Duke and other medical colleges haven't seen a drop in enrollment.

Sheran commented on Wednesday, Mar 13, 2013 at 23:31 PM

I took a friend of mine to a doctor 2 years ago and was told in a rude way don't bring her back, She's medicaid.
The same thing will happen with "Obama Care". I, for the life of me can't see why anyone that would work to help the sick on small wages and large student loans to pay off...

HMJC commented on Thursday, Mar 14, 2013 at 08:30 AM

Lest we forget that in order to entice states to participate in the expanded program the government is 100% funding the first three years. Why do you think the current administration continues to push for tax increases? They pushed through a program that was not fully funded with the assumption that it would fall in line once the bill passed. Ironically, I am for assisting those who cannot afford healthcare to have access. The reality of obamacare is that is not the core of the plan. A patient bill of rights is a great thing but good intentions don't pay the bills.

gacpl commented on Thursday, Mar 14, 2013 at 09:40 AM

So let's look back a bit in the Nations Medical System to see how we arrived at the present debacle. You only need to time travel back 48 years. Why is 1965 so important? President LBJ on July 30th of that year signed into Law the Medicare & Medicaid Bill.

The Federal Government on that date changed how your Medical Bill's would be arrived at. Prior to that date in 1965, inflation was the driving factor. That ceased to be the driving factor on that date.

Medicare & Medicaid Payment Schedule's became the driving factor of your Medical Bill's. The Federal Government incursion into the Medical System, forced our Medical Providers to adjusted your Billing Costs upward, to maintain their operational daily costs. That was daily costs, not profit's earned.

Over the years since LBJ in 1965 signed the Medicare & Medicaid Bill into Law. Medical cost's have taken a ride to hell with the Federal Government at the control of the wheel and cost throttle.

Now enter Obamacare and it's controlled Payment Schedule's. If these payment schedule's hold to the line of Medicare & Medicaid the US Medical System will belly up in bankruptcy court. The Private Sector Health Insurance Providers will be forced to withdraw due to the forced increases of their premium costs to fund payment's due the Medical Provider's.

Once the private sector insurance providers are removed from the equation. The Federal Government will be in complete control of your Medical Provider's. Which will begin the demise of your Medical Care as we know it now and in the past.

Viva La Obamacare... Socialized Medical Care has arrived and as all Socialized Medical System have created... Lowering of the Life Expectancy of the persons enrolled. Faster elimination of the elderly creates more funding to be used by the Administrative Arm of Obamacare.

Viva La Obamacare... The "Fox" will soon be protecting the "Chicken Coop"!

Funkentelecky commented on Thursday, Mar 14, 2013 at 16:06 PM

One sure way to find out what’s going on is to listen to the boots on the ground, and in this case Doctor Benjamin Carson disagrees wholeheartedly. He is a real leader that you can depend on.

http://www.youtube.com/watch?v=rB-DoT...

timeontarget commented on Saturday, Mar 16, 2013 at 07:40 AM

Dr Carson speaks the plain truth.

Every time I watch him, in all of these recent viewings on the web, I am further impressed with his wisdom.

Thanks for posting these things.

The bureaucrat's are the problem.


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