Health Care Utilization HCS/235 Esmeralda Najera 4/6/15

Introduction

The hottest topic right now that is still discussed is the Affordable Healthcare also known as Obama Care.

This was passed by the Senate on December 2009, and then was passed in the senate house in March of 2010. Afterward was presented to the Supreme Court in June of 2012. This law will permit Americans to obtain health care coverage at an affordable rate. This reform law is already making a great difference. There is more affordable care. This makes medical healthcare more within reach for those who couldn't afford it before. This also benefits Medicaid and making accountants take more responsibility. This is also paving the way for a new era in healthcare.( www.healthcare.gov)

Millions of Americans have obtained new access to better healthcare coverage. This means that millions of Americans can be been seen sooner and even prevent serious conditions from forming. Over 4 million young adults will get insurance through their parents coverage. This coverage will last till they are 26 years old. There are also free preventative care services. Citizens can now get services through their preferred private insurance. Many of these services can be obtained without copays or deductibles. This includes wellness and cancer screenings. Women in the United States can now have the coverage with no need to co-share of preventative services that is needed. People who have pre existing conditions, first off there are about over 107,000 Americans with pre-existing conditions. These Americans now have gained the resources they need. They have received the coverage that is called the Pre-Existing Insurance Plan. Although this plan is temporary, this will make health coverage obtainable and more affordable for those who are uninsured and have been denied due to pre-existing conditions.

The investing in this new healthcare law will put energy and time into training new primary care doctors and new nurses by giving bonuses, scholarships, loan repayment options, and training opportunities. Community Health Centers will be improved their way of care and assure the access to good quality of care. This includes quality care in over 8,000 service delivery sites nationwide. Since 2009, the increase has reached over 3 million. The healthcare act is lowering the healthcare costs to assure the money is being spent in the right areas. Insurance companies of over 70 million citizens now must comply with the 80/20 rule. This is also referred as the Medical Loss Ratio. This means that 80 cents of premium care must be spent on your care or an improvement in care. To fail to meet this standard rebate must be made. This rule is helping give rebates to millions of Americans across the nation. The rebate can be as high as 150.00 per household. In the first time, ever insurances of each state must explain any rate increase that exceeds over 10 percent. The law also aides the states with the resources to block hikes if possible. This rate review has saved over 1 million for Americans. A total of 42 states has used the rate review. The Rate Review Grant has made the rate review process better. Ever since the rate review was put in action, premiums of 10 percent or greater have dropped significantly. There is Small Business Credit, and small businesses have had to pay at an increased price for its health coverage. Up to 20 percent more than other larger employees. The tax credit will benefit more than 2 million workers who are receiving insurance. Early Retiree Coverage has provided 5 billion in payments for insurance for the employers to provide benefits to the retired employees who do not meet the credentials for Medicare. The Early Retiree Reinsurance Program (ERRRP) has reduced premiums cost for at least 19 million early retirees. This is also extended to spouses and surviving spouses and dependents. The healthcare act will strengthen Medicare. There is almost 50 million seniors and American with disabilities are in dependence with Medicare It is imperative they keep and get the most of their Medicare. There is the reduction of prescription drug cost. Over 6 million of seniors and disabled Americans have saved more than 5.7 million in medicine. Medicare Preventive Benefits will need no co-pay so that way live saving cancer screenings won’t be overlooked. Another way the Affordable Healthcare Act is helping seniors save some money those on high prescriptions will save as much as 18,000 in a span of 12 years. This is great with those who have chronic illnesses. There will be no more denial for children with preexisting conditions. Americans will no longer have a limit on access to essential health benefits. Insurance companies can no longer drop a patient.

The goal of the Affordable Healthcare Act is to serve Americans on the grounds of making health insurance affordable to them. Many Americans have remained without insurance because of job loss, disability, chronic illness or because insurance was simply too high. Now Americans can have that piece of mind one way or another.

References
HealthCare.gov (2015) Retrieved From http://www.hhs.gov/healthcare/facts/timeline/index.html

Obamacare Facts (2015) Retrieved from http://obamacarefacts.com The White House: President Barack Obama 2015 retrieved from https://www.whitehouse.gov/healthreform/healthcare-overview