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Health Care Reform Timeline Question & Answers

2013 September 29
by Sarah Fields

William asks…

How do you feel about health care reform? what exactly is health care reform?

Excuse me for not being up to date with my current events, I’m 19, and I’m just trying to figure out what is the fuss all about- but what exactly is this health care reform? How is it supposed to work? Who is eligible? If anyone can give me an easy to understand answer… it would be appreciated.

Sarah Fields answers:

Many things already started and other pieces became available September 2010, and build up/improve coverage through 2014?

Within the first year (2010)

• Young adults will be able stay on their parents’ insurance until their 26th birthday.

• Seniors will get a $250 rebate to help fill the “doughnut hole” in Medicare prescription drug coverage, which falls between the $2,700 initial limit and when catastrophic coverage kicks in at $6,154.

• Insurers will be barred from imposing exclusions on children with pre-existing conditions. Pools will cover those with pre-existing health conditions until health care coverage exchanges are operational.

• Insurers will not be able to rescind policies to avoid paying medical bills when a person becomes ill.

• Lifetime limits on benefits and restrictive annual limits will be prohibited.

• New plans must provide coverage for preventive services without co-pays. All plans must comply by 2018.

• A temporary reinsurance program will help offset costs of coverage for companies that provide early retiree health benefits for those ages 55 to 64.

• New plans will be required to implement an appeals process for coverage determinations and claims.

• Adoption tax credit and assistance exclusion will increase by $1,000. The bill makes the credit refundable and extends it through 2011.

• Businesses with fewer than 50 employees will get tax credits covering 35 percent of their health care premiums, increasing to 50 percent by 2014.


Jenny asks…

What the heck ever happened to the health bill passed by President Obama?

I’ve been counting on the assistance for numerous health concerns since my jobs insurance is too expensive and yet medicaid says I make too much money. $16 an hour is too much money. Never mind that the state and federal tax me like I am donald trump and my overhead is so much I have to work 7 days a week just to make my bills.
I love President Obama, but I’m not seeing any action in regards to actually getting that coverage.

Sarah Fields answers:

The health reform bill was passed in March. It is a 10-year plan with various provisions to begin annually. There are several lawsuits pending to challenge the law. What assistance are you asking about other than Medicaid? It is supposed to be expanded but I havent heard about it yet. In 4 years we will have a mandate to buy insurance which might be subsidised or a tax credit will be given. Before then, there are certain provisions to be implemented under the health care bill. If you dont qualify for Medicaid, and you don’t have health insurance at work, you have no choice except going to a community or county clinic for care based on your income.

Here is a webpage. You can look up the timeline for different provisions.


Betty asks…

What is an acceptable healthcare coverage, in regards to the statement in the PPACA, better know as Obamacare?

“The health care reform legislation requires most individuals to obtain acceptable health insurance coverage or pay a penalty, beginning in 2014. The penalty will start at $95 per person for 2014 and increase each year. The penalty amount increases to $325 in 2015 and to $695 (or up to 2.5 percent of income) in 2016, up to a cap of the national average bronze plan premium. After 2016, dollar amounts are indexed. Families will pay half the penalty amount for children, up to a cap of $2,250 per family. Individuals may be eligible for an exemption from the penalty if they cannot obtain affordable coverage.”

health INSURANCE coverage? I don’t think so, bc there are memberships out there that are not insurance plans, and the penalties are so ridiculous, I am LMFAO.

Sarah Fields answers:

Man that is a tough one to answer since the original bill was what 17,000 pages and now the regulations phase has added 20,000 or so pages.
I must admit I’m a little behind in my Obama care reading.
But it is my understanding that an approved plan has to be pretty inclusive at least in the major medical area of coverage.
I know my premium more than doubled within six months of the passage of Obama care, and it was just a 10,000 deductible major medical plan. So drastic changes were made somewhere.
Wasn’t their some mention of affordable care by somebody when all this was being debated?

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