Confused about Health Care? You’re Not Alone!
Are you confused about health care reform and what to do about your health insurance? Well, you’re not alone. According to a recent poll, half of all Americans are confused about how the Affordable Care Act, with its more than 20,000 pages of rules and regulations, works. Even more, approximately three-fourths are worried about how much it will cost them (1). This is definitely a transformation in health care as we know it today. Given the confusion and lack of knowledge from the insurance companies, it shouldn’t be much of a surprise that there are many misconceptions about the law.
Even I am confused!!
I can’t even seem to navigate around this entire process. One would think a doctor might be able to, but it’s not easy especially if you’re in a small group practice and self-employed. I am working avidly with my insurance agent to find the best plan for me and my staff, and it’s proving to be quite a challenge.
I am not “for” or “against” ObamaCare. I am for personalized care!
I strongly believe that you and your doctor need to partner together to foster wellness, prevent the onset of disease and be proactive regarding your health. Why wait until something happens to throw you off balance or drive you into exhaustion/auto-immune dysfunction? Be proactive and be responsible for achieving optimal wellness.
I treat the whole body. Patients know that when they see me, they are not just coming in for a PAP smear. They know that I will inquire about many things, including their past medical and surgical history, medications, family history, relationship with their partner/spouse, work/household stressors as well as lifestyle habits. Many times, my paper chart has more lines for the “social history” than anything else. ( Yes, I am not going to switch to electronic records – I like the old-fashioned way where we can speak eye-to-eye).
You are not just your pelvic exam! You are unique and deserve specialized care to live the life you want to live.
Most insurances will change as of January 1, 2014. No matter what the New Year brings us, if you need to be seen today and want to use the same insurance that you presently have, please call us at 760-635-5600 to schedule your appointment.
Let’s be proactive!
Helpful links and information on applying for healthcare insurance:
FOXBusiness.com rounded up a list of experts on the ACA to set the record straight on some of the biggest ObamaCare myths out there.
Myth 1: Everyone needs to buy coverage through state and federally-run exchanges. While those without coverage will likely purchase their coverage on these exchanges, Michael Tanner, a senior fellow at the CATO Institute, says the majority of people will continue to receive coverage through their employers or via government programs like Medicare.
“The only people buying on these exchanges are those who are uninsured now and will have to buy individual plans for themselves,” Tanner says. “Or if their employer’s plan is unaffordable. The vast majority of people will continue to get insurance the same way they do today.”
Myth 2: Insurance is free and health care is cheaper. While subsidies will be available for those making up to 400% of the federal poverty level on the government’s exchanges, coverage is not going to be free.
The Department of Health and Human Services released its pricing models recently, showing that on average, Americans will be paying $328 a month for a mid-tier plan, before subsidies.
Yevgeniy Feyman, a fellow at the Manhattan Institute, says many consumers wrongfully assume that because their insurance coverage is less expensive, that means the cost of care has also declined. He says individuals become so detached from the actual real premium price due to subsidies and because someone else is helping pick up the tab.
“If you are a New Yorker paying over $1,000 for premiums and see your costs drop to $350, you may think your costs are dropping. But because more people are insured, and third parties are paying for care, that puts upward pressure on the actual prices in the health-care system.”
Myth 3: The government supplies insurance. While state and federally-run exchanges will be operated by the government, the actual insurance plans are being provided by individual insurance companies, says Tanner.
“This is not government insurance like Medicare or Medicaid,” he says. “This is heavily-regulated insurance—it’s not a free market. But it’s also not government- [provided] insurance.”
Myth 4: I have to see a government doctor. The ACA has a strict set of regulations that private insurers have to follow, says Devon Herrick, senior analyst at the National Center for Policy Analysis.
“The health insurance sold on the state or federal health insurance exchanges will come from private insurers who establish their own networks or providers,” he says. “These networks may or may not include your current physician. Some of the lower-cost exchange policies will have a narrow, or limited network of doctors and hospitals.”
However, this doesn’t mean policyholders have to head to a government doctor to receive care, he says.
Myth 5: My employer has to provide me coverage. The mandate that required employers with at least 50 or more full-time workers to provide affordable coverage has been delayed a year to 2015. But Herrick says many may owners will instead opt to pay the fine of $2,000 per worker, per year, because it’s cheaper.
In this case, workers would have to opt for coverage via their spouses or the ObamaCare exchanges or pay their own penalty of $95 per year.
“Many small firms, in particular, may find it is best to limit the size of their firm to 50 workers, or just pay the fine,” Herrick says.
‘Really confused’: Kaiser/NBC poll finds Americans worried by health care law