To those who don’t know. This is Obamacare.
The United States of America is the only prosperous industrialized country that does not ensure complete health coverage for all of its citizens. A revolutionary and controversial healthcare plan called the Patient Protection and Affordable Care Act (PPACA), nicknamed “Obamacare”, is set to make some radical changes in America’s healthcare policy. The PPACA was signed into law on March 23, 2010.
The Act reforms some parts of the private health insurance industry and public health insurance programs. It boosts insurance coverage of pre-existing conditions, and provides greater access to insurance for over 30 million Americans. Under the provisions of the Act, uninsured and self-employed citizens will be able to acquire insurance through state-based exchanges. The Act will allow individuals and families with a household income between the range of 133 percent and 400 percent of the poverty level to obtain their own health insurance and be eligible for subsidies. The Act also increases projected national medical spending while lowering projected Medicare spending. Most of these changes will be implemented over the next several years, but the debate over whether “Obamacare” is good for the nation continues to rage on.
KEY CHANGES IN HEALTHCARE
- Insurance companies will be unable to refuse children coverage for pre-existing conditions.
- Children of parents with insurance can now remain covered under those policies up to the age of 26.
- Insurance companies will be henceforth forbidden from ceasing coverage for any reason but customer fraud.
- Insurance companies will no longer be able to cap the amount of benefits and treatment a person can receive in a lifetime.
- From now, Insurers cannot charge customers for preventive and diagnostic services like mammograms and colonoscopies.
- High-risk pools are compelled to cover those who have been refused coverage because of pre-existing conditions.
The main bone of contention of this healthcare bill is the stipulation that makes it mandatory for every citizen to purchase private health insurance, which is a first in American history. Also, according to the Act, insurance companies are now required to include coverage for contraception and abortion. This has not been well received by religious organizations that oppose contraception and abortion for moral reasons.
This Act did not go over well in Congress, either. The PPACA was passed by the Senate on 24th December, 2009, by a vote of 60–39, with every Democrat and two Independents voting in favor the Act, and all Republicans voting against it. On March 21, 2010, the Act was passed by the House of Representatives, by a vote margin of 219–212, with 34 Democrats and every one of the 178 Republicans voting against the bill.
FACTS ABOUT OBAMACARE
We present the Facts on Obama Care (ObamaCare) / The Health Care for America plan. Our goal is to help you understand the basics of the Obama Care health care plan and bill so you can decide for yourself what you think of ObamaCare based on the facts and not the News Radio / TV opinions.
ObamaCare, Obama Care and Health Care for America are all the same thing. (it is an extension of the Patient Protection and the Affordable Care Act and ongoing efforts to reform the health care industry.)
Some aspects of Obamacare health care reform are already enacted. The Affordable Care Act was signed 2 years ago, I bet you didn’t even notice unless you needed coverage and didn’t have it. The Affordable Care Act requires that insurance plans cover preventative serves and stops insurance companies form dropping you when you are sick… Why would we need that if the system was working?
ObamaCare is a hot button political issue and both sides of the isle will try to persuade you for or against it. You need THE FACTS on ObamaCare and the Health Care For America Plan.
Here Are The Facts
• ObamaCare’s goal is to provide affordable health insurance for all US citizens.
• ObamaCare does not replace private insurance or medicaid
• Medicaid will be reformed and expanded in order to help cover more people, especially those below the poverty level.
• ObamaCare aims to improve community health care centers in an effort improve health care for those who cannot afford private health care.
• Affordable health coverage means American’s and their families pay what they can afford.
• American Employers need to provide comparable coverage to the Health Care for America Plan or pay a modest and fair Tax to support ObamaCare. (like the current state run unemployment and workers compensation programs)
• If an American or their family chooses not to purchase healthcare through the Health Care for America Act they can buy private insurance.
• The government is by the people and for the people. The health insurance companies are for profit organizations who are for the bottom line and the investors.
• Those with incomes exceeding 250k will be subject to higher taxes. This will help pay for the ObamaCare. As you can imagine this does not make some people happy. Though it’s important to note that those making less will not be losing money, rather they will be gaining the option of healthcare.
• ObamaCare aims to make it easier for small businesses to provide coverage to workers by offering Tax Credits to employers who enroll their workers in private healthcare plans.
• One of the main goals of ObamaCare is to ensure that all preventative care will be free on all insurance plans. Private insurance plans that are grand fathered in and are all ready in place will be exempt until they lose their grand fathered status.
There is currently a Bill being proposed called the Health Care For America Bill (also known as the ObamaCare Bill). If this bill does not pass, millions of Americans will be without proper health coverage, many more will be dropped from private insurance companies who are not required to provide healthcare, employers will drop health care plans of workers and many more will suffer the consequences of health care system controlled by private companies who’s bottom lines are money and not health.