Insurance And Medical Care Act

of the patient with controlling the costs of care, the issue of the uninsured began to grow. The concept of some sort of governmentally funded universal health care for all began over a century ago, however, never successfully implemented. From a historical viewpoint, individuals obtained health insurance by purchasing their own policy, as a benefit of employment, or through governmentally funded programs that required certain eligibility criteria be met in order to be eligible. If a person did not qualify for one of these types of health insurance, they generally were left without health insurance coverage.

The Patient Protection and Affordable Care Act was signed into law by President Barack Obama in March of 2010. This law provides equal access to medical care, lowered health care costs and eliminates denial of coverage of pre-existing conditions to the millions of the uninsured and insured Americans that were without and denied health care coverage. Patients who were denied coverage due to pre-existing conditions can now look forward to relief and great improvement because their illness is covered in the new policy, and care is now provided for them at next to minimal cost (Stehly,

Before creating Obamacare, million people in the United States could not afford the expenditure to buy health insurances and drug costs. Therefore, they have no chance to prevent diseases or receive treatments. They could be discriminated against coverage and treatment because they had pre-existing conditions. As shown in statistics in the article “Health Coverage before the ACA, and Why All Americans are Better Off Now” of David Simas, the insurance companies could deny to coverage nearly one in two people because they have pre-condition such as heart diseases, cancer, or diabetes.

Preexisting conditions may become a reason to prevent healthcare coverage. However, this is a political point that the Senate may choose to alter. If the Senate successfully continues

In Title IX named, Revenue Provisions, will provide a middle-class tax cut to help those families and small business owners have more affordable insurance coverage ("Read the Law | HealthCare.gov", n.d).

You will always be covered, because they also did away with the lifetime maximum. No matter how much your charges and expenses are the insurance companies can never take away your coverage. Implemented as well they can’t turn you away for a preexisting condition that you have. Insurers can no longer deny coverage to children because of a pre-existing condition, like asthma or diabetes, under the health care law. An estimated 34 million people receive one or more preventive services and this includes the Annual Wellness Exam. The government is investing in the training and support of new doctors and nurses by providing bonus payments, scholarships, loan repayments, and new training opportunities for them. Having better practices in the health care field is the best way to improve the health care in America and should be the most important. Overall with the Affordable Care Act we are getting options. We’re giving more and better options that we have had in the past.

The Affordable Care Act was designed to insure that all Americans would have access to purchase affordable health insurance. It was designed to expand health insurance coverage, improve quality and reduce cost (Affordable Care Act Summary). One of the primary goals of the act was to decrease barriers for obtaining health care coverage and to allow Americans to access needed health care services (Affordable Care Act Summary). One of the requirements, which would eventually cause adverse selection later on, was that the ACA allowed Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down and/or fear of being charged higher premiums. Individuals with pre-existing conditions drive up cost for “healthy” populations (Collins & Nicholson 2010). They

Another concern is why this PPACA commonly known as Obamacare has to be so complex. For example, one of the components individual mandate which isn’t just a mandate to have insurance, but a mandate to have a specific type of insurance that the government had directed (Tanner, 2014). On the other hand I do remember when I was concerned about preexisting conditions because if I changes jobs after having cancer I was concerned if the I would not be insured with the next employer so I stayed with a job longer just so I would still have insurance in case I had a reoccurrence. I was happy to hear that preexisting conditions were addressed in the Obamacare because a lot of the health conditions people get isn’t something they can prevent so why are we being denied insurance coverage. I hope from what I understand from this health reform that people don’t have to feel stuck in a job for fear of not being covered by their new employer’s insurance

A pre-existing condition is a health problem that existed before you apply for a health insurance policy or enroll in a new health plan. A pre-existing condition is a health problem that existed before you apply for a health insurance policy or enroll in a new health plan. A pre-existing condition can be something as common and as serious as heart disease, high blood pressure, cancer, type 2 diabetes, and asthma. These are some chronic health problems that affect a large portion of

Beginning this year is when nobody can be denied health insurance because of any previous medical conditions they were denied to before. The law also ended insurance denials that were due to pre-existing conditions. Good news for adult children is that anyone uo tp 26 can continue to get health insurance on their parent’s policies. The law even ends lifetime limits on insurance payouts and health insurers are demanded to at least spend 85% of their premium dollars on health care.

Rachelle great post. Half of American adults have at least one chronic medical condition such as type 2 diabetes or heart diseases. Shopping for health insurance when we have chronic disease can become very time consuming. A good place start health insurance disition with our providers. Obama care is helping people with chronic illness there is no limitation and all health care providers have to accept people with Obama care. It is very helpful for people with chronic health

The ACA requires insurers to accept all applicants, cover certain conditions, and charge the same rates despite one 's sex or pre-existing health status. There are ten provisions that make up the ACA which were to be implemented over time, from 2010 through 2020. The first provision is individual insurance, which prohibits insurers to deny coverage based on one 's pre existing health conditions. States were also required to make insurance available to children who are not insured through their families. Medicaid was also expanded to include individuals and families with an average income of thirty thousand dollars a year. This mandate will not cover those who are illegal immigrants, eligible individuals who choose to not be enrolled in medicaid, those who choose to pay the penalty, individuals whose insurance would cost more than 8% of their income, and those who live in states that opt out of the medicaid expansion.

The Affordable Care Act makes health insurance a requirement for all Americans to purchase. It eliminates all pre-existing condition underwriting and offers a

The pre-existing condition insurance plan is a form of health insurance for uninsured individuals that have an expensive pre-existing condition that made them ineligible to obtain or too expensive to afford without the benefit of pre-existing coverage. A pre-existing condition is a medical illness that is prohibited from medical coverage by an underwriter due to a previously illness that occurred to the policyholder acquiring the policy from an insurance underwriter. The importance of pre-existing condition insurance plan in health care reform it allow consumers to have insurance coverage without being denied or limit benefits due to their medical condition (US Department of Health and Human Services (HHS), n.d.). The pre-existing condition

The price of health care is a concern for both the consumer and the provider. Consumers frequently worry about being able to afford medical care while the physician concern is whether or not they will receive reimbursement for the treatment they provide their patients. In the past insurance companies had the option to decline coverage or charge an excessive premium for those people with pre-existing conditions. One of the benefits for consumers under the Affordable Care Act is to provide coverage regardless of any pre-existing ailment and at a reasonable cost. In the case of pre-existing conditions consumer and provider incentives working together, there will be no limits on benefits which allow the patient to get the continuous care that they