Week6D1

.docx

School

Capella University *

*We aren’t endorsed by this school

Course

5040

Subject

Medicine

Date

Jan 9, 2024

Type

docx

Pages

4

Uploaded by CourtRoy123

In your opinion, which of the nine protections for patients described here is the most significant change from the past? Why? o In my opinion, the most significant change from the past would be coverage for pre-existing conditions (1). With this, no insurance plan has the ability to reject someone, charge them more money, or refuse to pay for care that is deemed essential for any condition that was previously established before coverage has started. I think that this protection is so significant because it allows people to be covered for the care that is needed and that fits their life. For example, pregnancy is covered from the first day of the plan, whereas previously this was not the standard. This further means that health insurers can no longer charge more money for people who have asthma, diabetes, or cancer, which prior would have been denied or incurred a larger charge (2). What impact has this change in the law had on the cost of care for patients in your state? o Over 12% of the total population of Florida is uninsured, these rates are reflected by insurance provided in employer-based plans, purchased privately, and through government programs (3). The cheapest health care plan in Florida starts at a monthly premium of $177, however the average of health insurance within the state is $467 per person (3). Offering coverage for pre-existing conditions has impacted Florida in a positive way. Previously, 27 % people in Florida with pre- existing conditions were denied health coverage (3). Through Florida legislature, healthcare plans have been made more affordable and cost-effective. o Within the 2023 Florida Statues: (1) A preexisting condition provision may not exclude coverage for a period beyond 24 months following the individual’s effective date of coverage and may relate only to: (a) Conditions that, during the 24-month period immediately preceding the effective date of coverage, had manifested themselves in such a manner as would cause an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment or for which medical advice, diagnosis, care, or treatment was recommended or received; or (b) A pregnancy existing on the effective date of coverage (4). All marketplace plans must cover pre-existing conditions including Medicaid and CHIP for Florida residents (1). What impact has this change in the law had on the quality of care for patients in your state? o This healthcare law has had a positive impact of the quality of care for patients within the “sunshine state”. This has ultimately led to more access to healthcare which has been proven to give those better health outcomes (3). With this impact, the 27% of previously denied individuals will have an opportunity to get care, where before they could not. Now, people do not have to worry about pre- existing conditions when choosing a health care plan or seeking care. This
ultimately effects the quality of health of Florida residents within our state and allows people to obtain care and afford care when before that was not an option. How did the protection you selected function during the pandemic? o In the State of Florida, it is not clear if insurance companies established Covid-19 as a pre-existing condition. However, while researching, there were a number of articles suggesting that being exposed to Covid-19 would be considered a pre- existing condition due to the further health implications that occurred after. It appears that coverage for pre-existing conditions partnered with Covid-19 put those with certain pre-existing conditions at risk. With that, while the contracting the virus may not have been deemed pre-existing, the aftermath or implications of the virus/the further health problems caused was deemed pre-existing depending on the insurer (5). Reference: 1. Health Care (2023). Health insurance rights and protections. Retrieved from: https://www.healthcare.gov/health-care-law-protections/ 2. Health Sherpa (n.d.) What you need to know about pre-existing conditions and health insurance. Retrieved from: https://blog.healthsherpa.com/pre-existing-conditions- health-insurance/#:~:text=Thanks%20to%20the%20Affordable%20Care%20Act%2C %20any%20ACA%2Dcompliant%20plan,have%20Medicaid%20or%20CHIP%20coverage . 3. Individual and Family (2022). Affordable health care plans in Florida. Retrieved from: https://www.ehealthinsurance.com/resources/individual-and-family/affordable-health- insurance-florida#:~:text=How%20much%20does%20health%20care,is %20approximately%20%24467%20per%20person . 4. Online Sunshine (2023). The 2023 Florida Statues. Retrieved from: http://www.leg.state.fl.us/Statutes/index.cfm? App_mode=Display_Statute&Search_String=&URL=0600- 0699/0627/Sections/0627.6045.html 5. The Lancet (2021). Pre-existing conditions associated with Covid-19 patients. Retrieved from: https://www.thelancet.com/journals/eclinm/article/PIIS2589-5370(21)00073- 0/fulltext Annie, Thank you for contributing early this week! I enjoyed reading your post. I think that employer retaliation is a huge significant change. I am not too savvy with the law in Canada (or here in the States for that matter) however, with this new provision the cost for care, you had mentioned taxes from Canadians going to the OHIP, with that, did you see a spike in tax prices because of
Your preview ends here
Eager to read complete document? Join bartleby learn and gain access to the full version
  • Access to all documents
  • Unlimited textbook solutions
  • 24/7 expert homework help