Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Term Paper:
The success of PPACA, and its provisions for people who are currently or chronically uninsured, will depend on reform of public programs as well as private insurance practices to create "new pathways to coverage (Gulley) and address the problematic link between employment and insurance coverage. In other words, employment should not be the only viable option for securing affordable insurance, nor should there be "significant work disincentives for people with disabilities" (Gulley). The law should help "reduce disparities in [healthcare] access (Gorin, 2010).
A number of provisions of PPACA have already taken effect. Beginning January 1, the law provided for a 50% discount on covered brand-name drugs. This provision was designed to close the coverage gap in Medicare Part D coverage, the so-called "Donut Hole." There is a 7% discount on generic drugs. The coverage gap will be completely eradicated by 2020, according to PPACA, making it even easier for people with limited resources to get the medicines they need ("Understand the affordable care act," 2010).
PPACA allows young adults to stay on their parents' plans until they turn twenty-six, unless they are offered a plan at work. With unemployment are record highs and the job market tough on young workers who have not yet developed sufficient skills or amassed enough work experience, this provision takes care of young adults as they strive to independence from their parents. It provides a safety net while they establish themselves in the workplace and may allow them to put money in savings, towards large purchases such as cars or starter-homes, and toward student loans. All of these expenditures will help boost the economy.
PPACA makes up to 4 million small businesses eligible for tax credits to help them provide health insurance to workers. The first phase of the provision gives a credit worth up to thirty-five percent of the employer's contribution to health insurance. Small non-profits can earn up to a 25% credit. This provision is obviously good for insured individuals, but it also helps the bottom-line of the businesses. Better financial health of individuals and small businesses is good for the economy.
States can now cover more individuals with Medicaid, thanks to an increase in federal matching funds. Individuals benefit from increased access, while states and the local economies within them benefit when more services are federally subsidized. Ultimately, health care costs will go down for everyone when individuals can access primary care, for example, instead of relying on more costly emergency-room visits. More preventive care will reduce later needs for treatments and hospitalization.
PPACA also includes new laws designed to address rampant Medicare fraud. According to HealthCare.gov, current efforts to fight fraud have returned over $2.5 billion to the Medicare FY 2009 trust fund. Continued efforts are expected to recover even more funds that are wasted and obtained fraudulently through Medicare and Medicaid. Money saved in this way can provide more for legitimate care to the people who need it.
The new law also created a provision to cover early retirees, who in the past could see their savings erode when they had to purchase coverage to see them through to age sixty-five, when they would be eligible for Medicare. Funded with $5 billion, the Early Retiree Reinsurance Program provides money through employer-based programs not only for early retirees, but for their spouses and dependents.
A Pre-Existing Condition Insurance Plan (PCIP) provides new coverage options for individuals who have been uninsured for at least six months because of a pre-existing condition. States can choose whether or not to participate in the program; if they opt out, a plan will be established by the Department of Health and Human Services in that state. Before PPACA, individuals with pre-existing conditions had no alternative. Now they do. The law includes a specific provision addressing the issue of pre-existing conditions in children. New rules prevent insurance companies from denying coverage to children under the age of nineteen who have pre-existing conditions. It is no longer legal even to limit coverage in such cases.
In the past, insurance companies could rescind coverage on the basis of a technical error on an individual's application. For example, a woman identified as "Katy" neglected to mention two visits to a psychologist she had six years before completing her insurance application. It was an honest oversight on her part, but when she was later diagnosed with breast cancer and submitted claims to her insurance company, the insurer, under the old law, could have denied coverage, claiming she withheld information. Individuals are now protected against such insurance loopholes.
There are additional provisions that make it easier for consumers to be informed and proactive. For example, PPACA provides a way for individuals to appeal coverage determinations and has established an external review process. The government has also created an easy-to-navigate website, HealthCare.gov, that enables individuals to educate themselves with respect to their rights and entitlements under the new system.
The new law provides immediate and direct benefits for individuals. It also provides short-term and long-term benefits to society. When individuals benefit, there is an immediate effect on family and local economies. Over time, the ripple will extend to the nation as a whole. Healthcare coverage will help the country recover from its deep recession that has devastated so many people over the last few years.
The changes will not all happen quickly. It is impossible to completely eradicate fraud, waste, and the problems associated with poverty. However, PPACA takes huge and important steps towards addressing these issues. All Americans are beneficiaries, particularly those who have been forgotten in the past.
Cobb, K., & Davis, C. (2007). The faces of the uninsured: One in four Texans has no medical coverage, posing dire physical risks for them and consequences for the state. Houston Chronicle 4/15/07.
Doheny, K. (1999). Filling a Health-Coverage Gap. WebMD. Retrieved from http://www.webmd.com/a-to-z-guides/features/filling-health-coverage-gap
Gorin, S.H., Gehlert, S.J., & Washington, T.A. (2010). Health care reform and health disparities: Implications for social workers. Health & Social Work 35(4), pp. 243-247.
Gulley, S.P., Rasch, E.K., Chan, L. (2011). Ongoing coverage for ongoing care: Access,
utilization, and out-of-pocket spending for uninsured working-aged adults with chronic health care needs. American Journal of Public Health 101(2), pp. 368-375.
Herbert, G.R. (2011). Impact of health care overhaul on Medicaid and the states. Congressional Testimony 3/1/11.
Melnick, G.A., & Fonkych, K. (2008). Hospital pricing and the uninsured: Do the uninsured pay higher prices? Health Affairs 27(1/2), pp. 116-122.
Obama, B.H. (2010). Remarks on signing the Patient Protection and Affordable Care Act. Daily
Compilation of Presidential Documents, 3/23/10.
O'Neill, J.E., & O'Neill, D.M. (2009). Who are the uninsured? An analysis of America's uninsured population, their characteristics and their health. Employment Policies
Institute. Retrieved from http://epionline.org/study_detail.cfm?sid=122
Understand the affordable care act. (n.d.) HealthCare.gov. Retrieved from http://www.healthcare.
Uninsured=financial ruin. (2007). AllNurses.Com. Retrieved from http://allnurses.com/nursing-activism-healthcare/uninsured-financial-ruin-200865.html
Uninsured in Mass. face higher penalties in 2011. Boston.com 12/30/10. Retrieved from http://www.boston.com/news/local/Massachusetts/articles/2010/12/30/uninsured_in_mass
Wade, L. (2011). Nearly 50 million Americans uninsured, CDC says. The Chart -- CNN.com
Blogs 3/23/11. Retrieved from http://thechart.blogs.cnn.com/2011/03/23/nearly-50-
Wolf, R. (2010). Number of uninsured Americans rises to 50.7 million. USA Today 9/17/10.
Retrieved from http://www.usatoday.com/news/nation/2010-09-17-uninsured17_ST_N.htm[continue]
"Non-Insured Individuals According To An" (2011, June 01) Retrieved October 24, 2016, from http://www.paperdue.com/essay/non-insured-individuals-according-to-an-42241
"Non-Insured Individuals According To An" 01 June 2011. Web.24 October. 2016. <http://www.paperdue.com/essay/non-insured-individuals-according-to-an-42241>
"Non-Insured Individuals According To An", 01 June 2011, Accessed.24 October. 2016, http://www.paperdue.com/essay/non-insured-individuals-according-to-an-42241
Individual Critique of a Quantitative Analysis Report "A Randomized Control Trial of Continuous Support in Labor by a Lay Doula:" a Critique of a Quantitative Analysis Report The process of giving birth places exceptional strain on a mother and is associated with significant risks and complications. According to a recent report published by the Centers for Disease Control and Prevention, 32.3% of all births in 2009 were delivered via cesarean section, a
Oral Presentation: The Individual Mandate and Young People One of the reasons that the 'individual mandate' was such a critical component of the Affordable Care Act -- the mandate requiring all Americans to have health insurance -- was that it was designed to encourage younger, healthier people to sign up for insurance rather than pay a penalty. It was deemed essential to have healthier people with fewer health complaints in the
In 2003, new procedures were created and they state that "companies accredited with receiving money relating to public subscription in securities must take all necessary measures to ensure the legality of the sources of the money used in the payment of such securities, in compliance with the provisions laid down in the Prevention and Prohibition of Money Laundering and its Implementing Regulations" (Terterov and Reuvid, 2005). Banking institutions are also
Pension Plan Being Qualified What are the permitted pension benefit plans? What is the problem? What is the solution? The end result The paper shall first inform that when any individual chooses a pension plan he should try to choose a plan that is qualified as the growth in value of the investments inside the plan are not taxable till the amounts are distributed to the investor, the contributions made by an employer to
Affordable Care Act (ACA) On March 2010, the U.S. Congress passed the Patient Affordable Care Act (ACA), a portion of legislation intended to redesign the nation's healthcare framework and amplify health protection to a huge number of uninsured Americans. The law incorporates various provisions that endeavor to achieve this objective. It creates access to healthcare insurance coverage through shifting premiums to be based on an individual's health condition and barring persons
Goal setting works well for simple jobs -- clerks, typists, loggers, and technicians -- but not for complete jobs. Goal setting with jobs in which goals are not easily measured (e.g., teaching, nursing, engineering, accounting) has posed some problems. Goal setting encourages game playing. Setting low goals to look good later is one game played by subordinates who do not want to be caught short. Managers play the game of setting
In light of the evidence in this literature review then it is of great import that monitoring of the health of pregnant women is vital in reference to LBW infants not only in the sense of present terms but as well to lifelong health considerations for the LBW infant which is probably why stated further is: "Given the relative neglect that mothers and newborns have suffered, their centrality to