Five years after Obama’s first election, the GOP has absolutely NO comprehensive health care reform plan other than “hurry up and die” or “good luck not going bankrupt over healthcare costs.” Instead of embracing the Affordable Care Act, they prefer to return to insurance corporation rule over the healthcare options for Americans.
They can talk about “tort reform” and “selling insurance across state lines” … but neither of those concepts will help someone declared by the insurance industry to be defective, in that they have a “pre-existing” condition, making them ineligible for insurance at any price. A large number of governors have already attempted “tort reform” and have been unable to achieve positive results. In addition, I doubt those same Governors would want to see Insurers from some other state “cherry-pick” healthy citizens out of their state only to watch health pools become mostly populated with more unhealthy individuals causing healthcare costs to rise dramatically.
The GOP claims tort reform would give more certainty to the healthcare marketplace by curbing liability costs of providers of healthcare. The only way they can conceivably do that is to dictate flat monetary values for the loss of a foot, arm, life, etc., or flat allowances for the plethora of malpractices that are committed on a regular basis. In other words, if a doctor or health provider ruins your health or the quality of your life, you’ll get only a pittance for your bad luck.
The GOP’s desire to “sell insurance across state lines” is at cross-directions with their “States Rights” mantra and instead would throw each state under the bus. Each State has its own Commissioner of Insurance who sets minimum requirements for those who provide Insurance policies to citizens of their particular state. So, instead of protecting “States” rights, it appears the GOP wants to plow the way for large corporate insurance providers to take out more efficient and less costly smaller sized organizations … DECREASING competition in the marketplace, and thus HIGHER costs and abuses.
But, that’s all they’ve got. So, before we throw out the baby with the bath water, so to say … maybe it’s time to get behind what was actually passed, upheld by the Supreme Court, and now in the process of being implemented. The benefits of the Affordable Care Act are pretty straight forward: the law makes it easier to get insurance you can afford, ensures you have the care you need when you get sick, and covers the preventive services you need to stay healthy without additional co-pay:
By Kathleen Sebelius, Secretary of Health and Human Services
Today we released our most detailed report to date about the results of the first reporting period of open enrollment in the Health Insurance Marketplace. The numbers show that interest in the Health Insurance Marketplace remains strong and the promise of quality, affordable coverage is becoming a reality for hundreds of thousands of Americans.
Between October 1 and November 2, 2013, 106,185 individuals selected plans from the Marketplace and another 975,407 applied and received an eligibility determination, but have not yet selected a plan. An additional 396,261 were determined eligible for Medicaid or the Children’s Health Insurance Program (CHIP). In total, 502,446 Americans will be positioned to have health coverage starting in 2014.
As we’ve seen in Massachusetts’s efforts to expand coverage, I expect the number of newly insured to grow substantially throughout the open enrollment period. Our efforts to improve HealthCare.gov will be critical to driving new enrollments and meeting consumer demand.
As a further indication of high consumer interest, web traffic and call center volume also continues to be very heavy. During the first reporting period, there have been over 26 million unique visitors to Marketplace websites and over 3.1 million calls to the call centers.
While we know there is still a lot of work to do to make sure every American that wants access to affordable coverage can have it, there are many encouraging takeaways from today’s report.
For the full text of the report, “Health Insurance Marketplace: November Enrollment Report,” please visit: http://aspe.hhs.gov/health/reports/2013/MarketPlaceEnrollment/rpt_enrollment.pdf
Nevada has a state supported exchange, meaning we don’t need to use the national website. We can go to our own exchange website. If you don’t have employer provided insurance and will need to enroll for insurance, VISIT THE NEVADA HEALTH LINK NOW TO APPLY today.
By Salim Zymet, Digital Advisor, Department of Health and Human Services
Enrolling just a day after the Health Insurance Marketplace opened, Daniel, a 22 year old from Orlando, Florida, is one of the millions of Americans eligible for affordable health coverage through the Health Insurance Marketplace.
Daniel says he’s “thrilled” to get coverage at the price he got it, and is relieved to be covered:
“I already had health insurance, but I just wanted to see if I could do a little bit better on the marketplace, and I did. I was able to pick a much higher quality plan, and because of my income as a student, I’ll only pay about 70 bucks a month for health insurance.”
To compare plans in your area, weigh your options, and get enrolled for coverage beginning January 1st, apply on HealthCare.gov by December 15th.
There are 4 basic ways consumers can apply for and enroll in Marketplace coverage:
- Online at HealthCare.gov;
- Over the phone by calling the 24/7 customer service center (1-800-318-2596, TTY 1-855-889-4325);
- Working with a trained person in your local community (Find Local Help); or by
- Submitting a paper application through the call center or downloading a copy at marketplace.cms.gov.
Healthline.com recently finished a video titled “Health Insurance Exchanges 101: The Affordable Care Act Explained” that serves as an easy-to-understand resource for consumers. I’ve added it here for easy viewing:
They also have other resources and articles on their healthline.com webpage that might interest you.
— by Rich Dunn, NVRDC 2nd Vice Chair
1912: Former President Theodore Roosevelt champions national health insurance as he unsuccessfully tries to ride his progressive Bull Moose Party back to the White House.
1929: Baylor Hospital in Texas originates group health insurance. Dallas teachers pay 50 cents a month to cover up to 21 days of hospital care per year.
1935: President Franklin D. Roosevelt favors creating national health insurance amid the Great Depression but decides to push for Social Security first.
1942: Roosevelt establishes wage and price controls during World War II. Businesses can’t attract workers with higher pay so they compete through added benefits, including health insurance, which grows into a workplace perk.
1945: President Harry Truman calls on Congress to create a national insurance program for those who pay voluntary fees. The American Medical Association denounces the idea as “socialized medicine” and it goes nowhere.
1960: John F. Kennedy makes health care a major campaign issue but as president can’t get a plan for the elderly through Congress.
1965: President Lyndon B. Johnson’s legendary arm-twisting and a Congress dominated by his fellow Democrats lead to creation of two landmark government health programs: Medicare for the elderly and Medicaid for the poor.
1974: President Richard Nixon wants to require employers to cover their workers and create federal subsidies to help everyone else buy private insurance. The Watergate scandal intervenes.
1976: President Jimmy Carter pushes a mandatory national health plan, but economic recession helps push it aside.
1986: President Ronald Reagan signs COBRA, a requirement that employers let former workers stay on the company health plan for 18 months after leaving a job, with workers bearing the cost.
1988: Congress expands Medicare by adding a prescription drug benefit and catastrophic care coverage. It doesn’t last long. Barraged by protests from older Americans upset about paying a tax to finance the additional coverage, Congress repeals the law the next year.
1993: President Bill Clinton puts first lady Hillary Rodham Clinton in charge of developing what becomes a 1,300-page plan for universal coverage. It requires businesses to cover their workers and mandates that everyone have health insurance. The plan meets Republican opposition, divides Democrats and comes under a firestorm of lobbying from businesses and the health care industry. It dies in the Senate.
1997: Clinton signs bipartisan legislation creating a state-federal program to provide coverage for millions of children in families of modest means whose incomes are too high to qualify for Medicaid.
2003: President George W. Bush persuades Congress to add prescription drug coverage to Medicare in a major expansion of the program for older people.
2008: Hillary Rodham Clinton promotes a sweeping health care plan in her bid for the Democratic presidential nomination. She loses to Obama, who has a less comprehensive plan.
2009: Obama and the Democratic-controlled Congress spend an intense year ironing out legislation to require most companies to cover their workers; mandate that everyone have coverage or pay a fine; require insurance companies to accept all comers, regardless of any pre-existing conditions; and assist people who can’t afford insurance.
2010: With no Republican support, Congress passes the measure, designed to extend health care coverage to more than 30 million uninsured people. Republican opponents scorned the law as “Obamacare.”
2012: On a campaign tour in the Midwest, Obama himself embraces the term “Obamacare” and says the law shows “I do care.”
and their partners will present:
10 Educational Webinars on 10/1
Join DFA on this historic day !
Coverage is Good Medicine:
How to Answer Patient Questions about New Insurance Marketplaces
Tuesday, October 1, 2013
6am, 7am, 8am, 9am, 10am, 11am, 12pm, 1pm, 2pm, 6pm
(all times are PDT)
15 minutes – Basics of the New Insurance Marketplaces
30 minutes – Q&A
CME: Approved for 1.0 AAFP Prescribed Credits.
What’s a marketplace? Who can sign up? What will be covered? What’s the best way for health care providers to spread the word?
Watch with clinic staff before the day starts, do an in-service with hospital staff, do a noon conference, send to a listserv, share on Facebook, spread the word
We’ll provide you with downloadable materials: a flier, a voicemail script, a script for answering questions, and more.
For more info contact: firstname.lastname@example.org