Health Reform, Obamacare
For a long time, insurance companies have offered health insurance as part of the employer’s routine, but in many of them insurance companies did not cover or cover preventive exams or tests, until a while ago but not all of them, due to thisNeed for coverage of free preventive services for adults, women, children and elderly such as: mammography tests, uterine cervical cancer detection, investigation and detection of diabetes, hypertension, autism, immunizations, alcoholism, cardiovascular diseases among many others, is that the health reform program or obamacare arises.
The AFFORDABLE ACT Health Reform, Patient Protection and Affordable Care Act or Obamacare began as Federal Law on March 23, 2010 and was confirmed by the Supreme Court of Justice on June 28, 2012. This law is composed of three primary objectives:
- Ensure that people or households with low income between 100% and 400% of the federal poverty level have access to health insurance, which they can pay.
- Extend the Medicaid program to all states to give adult health coverage with income below 138% of the federal poverty level.
- Find a solution focused on reducing the costs or growth of medical care expenses for all citizens. (Law of low price health care, 2020)
The health or law reform has two parts: the Law on Health Care at Low Price and the Reconciliation Law.
One of the programs in health reform is the investigation of breast cancer, mammography can detect this disease in time, even when women have no signs or symptoms which is very important because this allows to treat or eliminate this condition and thusincrease the survival of this. The procedure is simple and takes little time to do so, according to the Department of Health and Human Services, “breast cancer is one of the most frequent types of cancer in women. Approximately one in eight women in the United States will suffer breast cancer at some point in life ”.
Pros and cons
It allows young adults under 26 years of age to be in parents’ medical insurance with free or low -cost insurance. Due to the raw low and the benefits of having a plan, young people have some of the best offers of anyone under health reform when buying care.
Prevent medical insurance denying medical coverage for a pre -existing condition while being charged more for being sick. Coverage can only be obtained during open registration periods annually.
Facilitate children’s access to program chip (health program for children). This program uses federal and state funds, not all states have it.
Improving Medicare program for older adults, keeping low rates, reduce expenses and expand free preventive services. Medicare pays doctors according to a rate program. His rates have led to very complex problems that are raising the costs of medical care for all.
Ensure that all plans cover the minimum benefits such as preventive care, gynecology-obstetrics, native control, emergency visits, mental health, prescriptions, rehabilitation, laboratory, pediatrics, for a total of ten benefits. The minimum essential coverage can only be obtained during open registration unless it qualifies for a special registration period.
Extend the medical to more citizens in the states that chose to extend the medicaid program. This program uses federal and state funds, not all states have it.
Companies with more than 50 employees must provide health coverage to their employees. In response to this, some employers cut the hours so as not to provide health insurance. Small businesses with less than 25 full -time employees can obtain tax credits up to 50% of the costs of their employees’ health insurance.
Employee health benefits can be expensive. Workers with lower salaries can end up obtaining a better value through the market, but having coverage sponsored by the employer means that they cannot obtain assistance with costs. In addition, employees dependents with coverage cannot use the market.
Many people without health insurance will have access to medical insurance through the expansion of the Medicaid, its employers and the medical insurance market. New taxes for people who earn more to help assure all these people. More private coverage options, and all the main medical coverage options must provide minimal essential coverage. More coverage is more expensive, consumers run the risk of buying for services that are not needed.
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