Health Insurance Opinion

Each state has their own policies for Medicaid eligibility, services and payments. Medicaid plans have three eligibility groups such as categorically needy, medically needy and special groups. Children's Health Insurance Program (CHIP) is a program that offers health insurance coverage for uninsured children under Medicaid. If Medicaid does not cover a service, the patient may be billed if the following conditions have been met such as the physician informed the patient before the service was performed that the procedure was not covered by Medicaid and if the patient has signed an Advance beneficiary Notice form. However, there are also conditions where the patient cannot be billed if necessary preauthorization was not obtained or service

Since June 6, 2009, President Barack Obama told the American public multiple times, “If you like your health care plan, you'll be able to keep your health care plan.” The public later found out that this was not the case. If your health care plan did not satisfy the minimum federal requirements then you will lose your plan and will have to find another one. House republicans have tried to repeal the bill almost 40 times because they claim it is a major threat to the economic health of the nation. Despite all of the political rhetoric about Obamacare over the past few years, most Americans do not know what it is and how it affects them. While Obamacare does attempt to fix some issues in our healthcare system, it still has not completely fixed the problems at hand. It is an unjust fix and it is far from complete.

When President Obama was elected to office, he had campaigned on the promise of healthcare reform, and was rallying the government to deliver on that promise. Despite successes in increasing coverage for certain populations in the 1980’s and 1990’s, there was no substantial and sustainable reduction in the number of uninsured. In a speech during a joint session of Congress (2009), and before the signing of the ACA, Obama argued that a high uninsured rate had an impact on the American people, the healthcare system, and the economy. The symptoms of the 1/7 Americans without uninsured in 2008 were: negative impacts on citizens, manifesting in greater financial insecurity, unreasonable barriers to care, general poor health, and preventable deaths; the healthcare system was burdened with billions of dollars in uncompensated care; the labor force became concerned about insurance coverage when seeking education or entrepreneurship. healthcare costs were rising rapidly, from 13% of the economy devoted to

Since June 6, 2009, President Barack Obama has told the American public numerous times, “If you like your health care plan, you 'll be able to keep your health care plan.” The public later found out that this was not the case. If your health care plan did not satisfy the minimum federal requirements, then you will disinherit your plan and, you must find another one. House republicans have tried to repeal the bill almost 40 times because they claim it is a major threat to the economic health of the nation. Despite all of the political rhetoric about Obamacare over the past few years, a majority of Americans do not know what it is and how it affects them. While Obamacare does attempt to amend some of the

“The fundamental market failure that Congress sought to fix was this cost-shifting from the uninsured to the privately insured.” (Fisher) It is clear to see that Obamacare did not fix the cost-shifting it was implemented to fix. There are still free health insurance options where the government is responsible for so many American’s healthcare costs, and when it comes down to it, the premiums for individuals with private insurance have still continuously went up over the years since the Affordable Care Act was passed. In 2012, Daniel Fisher wrote, “Existing federal laws already cover the poor, the elderly, and the roughly 60% of Americans who get their insurance through employers. Those laws provide free and low-cost care to just about anyone who needs it.” (Fisher) If this is the case, what purpose does requiring everyone to have insurance serve? It does not change the financial state of the country and only minutely impacts each individual’s quality of

Obamacare is an extremely controversial topic amount American people. What was originally supposed to help the uninsured receive insurance has turned out to be anything but that. Obamacare is one of the most unproductive investments that Obama and his administration team have unveiled. The time and effort they spent on Obamacare could have been spent coming up with a valid and cost effective way for uninsured Americans to obtain health coverage. Obamacare has caused many Americans to remain uninsured, and many have lost their existing coverage due to the new Affordable Healthcare Act. A solution to the problem is to let Americans choose the insurance they want and allow the government to crack down on insurance companies, not dictate what Americans can and cannot do.

Everyone in America should have health care. Nobody wants to have to pay the full price of medical costs when they visit the doctor or have a hospital emergency. This is why the Affordable Care Act should be put into action because doing so would enforce people who do not have health care to get the health care they need. Some people do not believe they need health care because they do not plan on getting hurt or sick, and if they do, they do not need a doctor. As much as we would all like to believe that, we are human and cannot always stay healthy.

A few important points, Parks (2011) found that, “As of 2013, there are approximately 44 million Americans that are not able to afford the costs of health insurance” and Epperly (2012) found that, “In 2014, six in ten Americans without health insurance could get coverage for $100 or less a month”. Now I am very open to the fact that ObamaCare has its many flaws that can negatively impact others, therefore I do not want to take this opportunity to force my opinion on others. It is important to know how much the health care system has been greatly affected by ObamaCare and to share the benefits, know the rights and protection of the people that ObamaCare also has to offer.

President Barack Obama’s plan for healthcare reform was plan to make sure that every citizen no matter what his or her race, background, or economic status has quality affordable healthcare. With the passing of Obamacare, American citizens live longer as a result of effective healthcare coverage at a lower cost. Currently insurance companies have the power to deny coverage, drop people from their policies, and raise the cost of premiums. Whether you call the current healthcare reform Obamacare or the Affordable Care Act, it was designed so that every American would have healthcare that is affordable. When you consider that the United States is said to be the land of opportunity, the thought of being sick and not being able to get the treatment that you need for an illness is unconstitutional.

Then why are so many American citizens uninsured? Does cost prevent people from being insured? Or does the majority of uninsured Americans complain about the accessibility? No, most Americans are “voluntarily” uninsured. They choose not to have health care because “they simply [don’t] want health insurance… [or] because they perceive the costs as too high,” (Weaver). They key word to that statement is “perceive.” It truly isn’t that high, they simply see it as that high. Then there is the portion of the uninsured that consider themselves to be young and healthy, and they believe that they won’t even use health insurance, so why buy it. President Obama started this bill for them so it is more affordable, but affordability wasn’t the problem.

Many people in the United States at some point in their life pay for health insurance or health care. Usually the people who pay for health insurance is either retired from work or are in their primes with children to care for. There are many other kinds of health care associations in the U.S., but there’s a major health insurance cooperation in today’s society that is causing problems in America’s economy and causing major drops in unemployment rates everywhere in the U.S., named after the 44th president of the United States of America, President Barack Obama, Obamacare is a type of health care system that is outrageously expensive and money consuming, putting Americans into serious debt. It had once been seen as a plan to help Americans

Some people have issues with Obama Care because it is too expensive for some people to afford. “According to a recent article by US News, an average 27 year-old male will pay 235% more for health insurance

There are Currently 32 million people without health insurance in the United States. This means that roughly 83 per cent of citizens have to live day by day hoping they won’t get sick. For this reason, President Obama signed the U.S health reform bill into law. The health reform will make health care more affordable for citizens. Employers with more than 50 employees will be forced to provide coverage for all, or they will have to pay a fine. It will also make health insures more responsible. For example, health insurance carriers are forbidden from placing lifetime dollar limits on policies, from denying coverage to children because of pre-existing conditions, and from canceling policies because someone gets sick. It will also expand

One financial problem the healthcare industry is facing right now is healthcare collections. Healthcare collections have always been a financial problem to healthcare industries because of nonpayment from the uninsured and individuals who are uneducated about their health plans. Nonpayment to healthcare industries means a loss of revenue. A loss of revenue means that health care industries may run the risk of exhausting their financial resources and become unstable. This financial problem is very typical in the healthcare industry.

The Affordable Health Care Act, worldly known as “Obamacare”, went into action on January 1, 2014 changing the rules for health insurance companies, business, and common people. Health care companies are no longer able to turn down anyone that has pre-existing health conditions and are not allowed to discriminate or charge higher rates for people of a certain gender. Also, insurance companies are not able to establish annual spending caps on essential health benefits. However, along with all the good qualities come the bad. Obamacare “required most individuals to secure health insurance” (Levy). Citizens deciding not to buy insurance in 2014 will be charged an annual penalty going up each year without insurance. Depending on age, income, and