Explain the steps that Obamacare has taken to improve the health condition in US.
Health Condition in US and Obamacare Essay
explain the steps that Obamacare has taken to improve the health condition in US.
The health care reform also known as The Patient Protection and Affordable Care Act or simply Obamacare became one of the most ambitious projects in the history of the United States since the mid-1960’s.
Those of you who want to write an interesting college essay on pros and cons of Obamacare have to understand that the reform is an initiative of President Barack Obama and to date is considered to be the main achievement of his presidency.Health Condition in US and Obamacare Essay
This is the first attempt to reform the U.S. Health Care system of the United States since the 1960s, when the President Johnson created public Medicare and Medicaid, to help pensioners and the poor. The current reform was attempted back in 1993, however, unsuccessfully by Clinton’s administration.
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Over the past thirty years, the health care costs have increased disproportionately in America, although there were not any objective prerequisites for this in the form of improved quality of services. During the last decade, the insurance cost per employee has more than doubled.Health Condition in US and Obamacare Essay A large part of the population remains uninsured, and the proportion of such people is growing. The insurance sector, provided by employers, is highly monopolized, hampering the mobility of the labor force and creating the conditions for discrimination of patients both before and after signing the insurance contract, including the denial of payment. The ever-increasing cost of Medicare and Medicaid is one of the reasons for the rushing United States budget deficit.
The current health care system is marked by inefficient interaction between the public and private sectors of the economy. Despite the fact that the State allocates huge sums in the industry, it has no effective control over the prices and costs of services and products.
As a result, the health care system almost completely returned to the private sector that although meets American ideals, in reality turns out to be prohibitively expensive, when many poor U.S. citizens cannot afford it, and often the State could not protect them as well. The United States is one of the few developed countries without a universal health insurance system.
On March 21, 2010, the United States Congress approved the health reform; in 2012, part of its provisions was deemed unconstitutional by the Supreme Court.
The main element of the reform, scheduled to begin in October 2013, was the introduction of the compulsory health insurance, which implied subsidies to the poor.
The reform also aimed to improve the health insurance policy. So, according to the Act from January 1, 2014, employers and the insurers will no longer be able to deny workers in providing health coverage or raise insurance premiums if the employee was not diagnosed severe chronic disease (e.g., AIDS, cancer, etc.) before signing the employment contract.Health Condition in US and Obamacare Essay
The Affordable Care Act (ACA), enacted in March 2010, is sometimes nicknamed “Obamacare” for the president who signed it into law, Barack Obama. Obamacare is known for establishing the health insurance marketplace at healthcare.gov. Obamacare is also known for expanding the Medicaid program and preventing most insurance plans from excluding people for per-existing conditions.
Some parts of this comprehensive health-care reform law affected Medicare Advantage plans. Here’s what you need to know about Obamacare and Medicare Advantage.
Obamacare and Medicare Advantage plans: some things didn’t change
The passage of Obamacare allowed Medicare Advantage to function fundamentally as it had before. Medicare Advantage, also called Part C, is another way to way to get your Original Medicare (Part A and Part B) benefits through a private insurance company approved by Medicare.Health Condition in US and Obamacare Essay Medicare Advantage plans got their name in 2003 with the passage of the Medicare Modernization Act (MMA). Some Medicare beneficiaries choose Medicare Advantage plans because they might offer benefits Original Medicare doesn’t cover, such as routine dental, routine vision, and prescription drug coverage. Most Medicare Advantage plans are HMOs (health maintenance organizations). Some Medicare Advantage plans may advertise $0 plan premiums but with Medicare Advantage you must continue to pay your Part B premium (and Part A premium if applicable).
Obamacare and Medicare Advantage plans: healthcare.gov Marketplace
If you want a Medicare Advantage plan, you don’t need to do anything with the Marketplace during Open Enrollment when other people are signing up for Obamacare since Medicare Advantage is not part of healthcare.gov.
There are a few ways you can sign up for a Medicare Advantage plan. For example:
Contact the insurance company directly.
Enroll through a licensed insurance broker like eHealth. You can enter your zip code on this page to get started.
Call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. Medicare representatives are available 24 hours a day, seven days a week.
Visit gov .Health Condition in US and Obamacare Essay
You can enroll in Medicare Advantage during your 7-month Medicare Initial Enrollment Period. This enrollment period begins three months before you turn 65, includes the month of your 65th birthday, and lasts for three months after your turn 65. If you qualify for Medicare because of a disability, this Initial Enrollment Period usually begins the first three months before your 25th month of getting Social Security or Railroad Retirement Board disability benefits, includes the 25th month of getting disability benefits, and ends three months after your 25th month of getting disability benefits.
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Obamacare and Medicare Advantage plans: a surprising outcome?
Medicare Advantage enrollments have increased, while premiums have decreased. In 2019, 36.7% of Medicare beneficiaries (22.6 million) will be enrolled in Medicare Advantage plans, according to the Centers for Medicare & Medicaid Services (CMS).Health Condition in US and Obamacare Essay This is a marked increase since 2009, pre-Obamacare, when Medicare Advantage enrollment was about 23 percent of Medicare beneficiaries (10.5 million) according to the Kaiser Family Foundation.
Medicare Advantage plans may still be affordable despite Obamacare cuts
According to the Centers for Medicare & Medicaid Services (CMS), the estimated average premium for a Medicare Advantage plan is $28 a month in 2019. In fact, Medicare Advantage premiums have been going down year by year, CMS reports. Combined with the standard Part B premium cost of $135.50 in 2019 (which can vary based on income and other factors), you could be paying about $163.50 a month for a Medicare Advantage plan and your Part B coverage. Some Medicare Advantage plans have premiums as low as $0.Health Condition in US and Obamacare Essay