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Who loses if the Affordable Care Act is Struck Down?

Soon, the Supreme Court will decide the fate of the Affordable Care Act. But it’s important to remember that there are millions of individuals who have already benefited from its enactment.  Old and young people, people we work with, people we worship with and people in our circle of friends who now have affordable healthcare could see it suddenly taken away.

There are roughly 2.5 million young adults around the nation under the age of 26 that can stay on their parent’s health insurance plans thanks to the ACA. This allows them to have health insurance even if they are not being offered plans at work.  These young people will lose their coverage if the ACA is struck down.

Millions of older Americans who were unable to afford their prescription drugs once they entered the Medicare donut hole received millions of dollars back to reimburse them for medications.  Thanks to the ACA, they get medications at a lower cost.  Medicare patients also receive preventive care screenings for free.  These older people will lose their coverage if the ACA is struck down.

South Carolina children are protected through the continued funding of the Children’s Health Insurance Program.  This expanded Medicaid program will cover over 70,000 of our state’s children starting in July of 2012.  It also guarantees that no child can be turned down for health insurance coverage due to a pre-existing condition. These young people will lose their coverage if the ACA is struck down.

Small businesses owners receive a tax credit when they make health insurance coverage available for their employees. Hundreds of thousands of businesses have been able to take advantage of this help.  These people we work with will lose their coverage if the ACA is struck down.

Tens of thousands of Americans who were previously uninsured because of medical conditions now have affordable health insurance through the Pre-Existing Conditions Insurance Plans administrated by the states or federal government.  These people in our circle of friends who have finally secured affordable insurance coverage could lose it and go back to the status of uninsured if the ACA is repealed.

Finally, thousands of very ill patients who previously lost their insurance because they reached the lifetime cap get coverage under the ACA. But they will once again find themselves uninsured and facing either financial ruin or death. These people we worship with will lose their coverage if the ACA is struck down.

Who loses if the ACA is struck down?  All of us.  This includes those who are now fortunate enough to feel the benefits, and those of us who would have benefited through affordable coverage and knowing our healthcare needs will be met.

While we wait for the court to decide, we must take inventory of what we have and what we will lose if the ACA is struck down.  This is our chance to ensure affordable, quality healthcare for all. We cannot go backwards!

5 Ways Health Reform Helps Medicaid Beneficiaries

From the folks at the National Health Law Program, 5 ways that health reform helps medicaid beneficiaries.

1.     ALREADY IN PLACE: Protection for Medicaid enrollees 
         The ACA included a “Maintenance of Effort” provision prohibiting states from cutting eligibility for adults until 2014 and children until 2019. If states do not comply, they can be sanctioned and lose all federal Medicaid funding. This provision has protected the Medicaid coverage of millions of individuals who would otherwise have lost Medicaid as states sought to reduce spending due to the poor economy.

2.      ALREADY IN PLACE: More preventive care 
          The ACA includes numerous provisions which expand access to preventive services. For example, the ACA has already distributed “Medicaid Incentives for Prevention of Chronic Disease” grants for states to engage in diabetes prevention, cholesterol and blood pressure screening, and tobacco cessation. Starting in 2013, Medicaid preventive benefits will include a broader array of services and states will receive increased federal funding if they provide these services without cost-sharing. Another provision requires that, starting in 2014, many Medicaid enrollees will receive some services that may be new to Medicaid, such as habilitative services, and will have access to a wide range of women’s health services.

3.     COMING SOON: Medicaid expansions
          Starting in 2014, the ACA creates a new Medicaid eligibility category covering nearly all uninsured individuals living under 138% of the federal poverty level. Sixteen million people will be newly eligible for Medicaid. The ACA also creates other options for states including expanding family planning services, providing new home and community based services and programs, and offering other services for higher income individuals not otherwise eligible for Medicaid.

 4.      COMING SOON: Better access to primary care providers
            The ACA will substantially increase the Medicaid payment rates in 2013 for certain primary care providers (internal medicine, family medicine and pediatrics). These providers will get the higher Medicare payment rate for primary care services. This provision will help improve access to primary care providers for enrollees and support the safety-net providers who take care of underserved populations.

 5.     COMING SOON: Improved enrollment processes 
           The ACA heavily invests in simplifying the process of enrolling in health care. Starting in 2014, states must have one streamlined application process for all health care programs, including Medicaid and private exchange insurance plans including available subsidies. The ACA also provides start-up funding for state consumer assistance programs and health care navigators to ensure that every individual receives help understanding her options and getting enrolled.

Happy Anniversary, Failed-Repeal-Of-Obamacare!

One Year Later:
What if Congress Had Repealed the Affordable Care Act?

For too long, too many hard working Americans paid the price for policies that handed free rein to insurance companies with few protections for patients or providers. Nearly two years ago, President Obama signed health reform – the Affordable Care Act – into law. The law gives hard working families the security they deserve, makes insurance more affordable, ends the worst insurance company abuses and makes preventive care free for millions of Americans and everyone enrolled in Medicare.

One year ago yesterday, on January 19, 2011, the House of Representatives voted to repeal the law, and take us back to the days when insurance companies had the power to decide what care residents of the United States could receive – allowing them to once again deny coverage to children with pre-existing conditions, cancel coverage when people get sick, and place lifetime or low annual dollar limits on the amount of care people can get, even if they need it. What’s more, without the law, insurance companies could overcharge for insurance just to boost their profits.

Here are some of the statistics about what would have happened if Congressional Republicans had succeeded in repealing the Affordable Care Act:

  • 2.5 Million More Uninsured Young Adults. – 2.5 million young adults have been able to stay on their parent’s health insurance thanks to health reform.
  • 2.65 Million Seniors Pay $1.5 Billion More for Prescription Drugs. The Affordable Care Act provides a 50 percent discount on covered brand name prescription drugs for seniors and people with disabilities who hit the donut hole. This discount has saved 2.65 million seniors more than $1.5 billion through October 2011.
  • 24.2 Million Seniors Pay More for Preventive Care. The Affordable Care Act makes preventive care like mammograms and colonoscopies free for everyone with Medicare. Through November 2011, 24.2 million seniors have received free preventive services.
  • 45,000 Americans With Pre-Existing Conditions Remain Uninsured. As of November 2011, the Affordable Care Act’s Pre-Existing Condition Insurance Plan has provided insurance to 45,000 Americans who have been locked out of the insurance marketplace because of a pre-existing condition.
  • Insurance Companies Free to Cap Care for 102 Million Americans. Under the Affordable Care Act, insurance companies cannot drop your care when you get sick, or place a lifetime limit on your care. Today, the 102 million Americans whose health plan included lifetime dollar limits have seen their coverage expanded.
  • Insurance Companies Free to Drop Coverage for up to 15 Million Americans. The Affordable Care Act finally put an end to one of the most abusive practices of the insurance industry: retroactively canceling coverage for a sick patient based on an unintentional mistake in their paperwork. Before the health care law was signed, most of the 15 million people purchasing coverage in the individual market were vulnerable to this policy. Rescission often leaves people suddenly responsible for past expenses and with no coverage to pay for needed care.
  • 41 Million Pay More for Preventive Care. Approximately 41 million Americans are now enrolled in health insurance plans that must provide preventive services without cost sharing thanks to health reform. (more…)
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