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Wednesday, April 4, 2012

Babies and Bathwater

Those of us who find the coercive aspects of the Affordable Care Act (ACA or Obamacare) difficult to swallow, need to be careful. Elements of ACA are good and have already helped many of us. The chaos that would follow a Supreme Court decision to strike down the whole act won’t help anyone except probably the health insurance companies.
Here is a list of rights we now have because of the ACA. You decide.
Increased coverage of preventive services
Lifting of most restrictions on lifetime and annual limits
Coverage for children with pre-existing conditions
 Under the new law, insurance companies cannot deny coverage or limit benefits to children under age 19 because of a pre-existing condition or disability. Starting in 2014, people of all ages with pre-existing conditions will be protected.
Pre-Existing Condition Insurance Plan
 The program covers primary and specialty care, prescription drugs and hospital visits without requesting higher premiums for pre-existing conditions.
Birth control coverage
Access to out-of-network emergency room services
Right to appeal health insurance plan decisions
Consumer Assistance Program
More value for the insurance dollar
No insurance cancellations for honest mistakes
Expanded Medicare coverage
Expanded coverage for young adults on their parents’ plans.
Should we throw the babies out with the bathwater?
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