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    Archive for the
    ‘health care’ Category



    Revisiting Healthcare

    Wednesday, January 19th, 2011
    This afternoon, the Republican-controlled U.S. House of Representatives voted 245 to 189 to repeal the Affordable Care Act (also known as the health care bill from last year). Three Democrats joined all Republicans to vote for repeal. You can see the tally here. (Worth noting: the legislation isn’t likely to go anywhere. The Democratic-controlled U.S. Senate isn’t going to bring the bill up for a vote.)

    The Affordable Care Act (“ACA”), signed into law last March, may just win the “Bill with the Most Names” award. Republicans dubbed the bill the “job-killing” – then just “job-crushing” after the events in Tucson – health care act, “ObamaCare,” and their proposed repeal the “Reform Americans Can Afford Act.” Democrats have branded repeal efforts as the “Patient’s Rights Repeal Act.”

    The repeal of the health care reform bill was a major campaign promise for Republicans, and one they took a step closer to today with the vote in the U.S. House. They believe the health care reform will slow economic growth, increase the deficit and decrease job growth.  The GOP has a summary of their proposed “repeal and replace” plan on their website.

    The original passage of the bill was a major achievement for the President and fellow Democrats, who believe the reforms will keep down health care costs, decrease the deficit and create jobs.  Supporters of the current health care reform law cite a report recently released by the CBO that states repeal of the bill would increase the deficit by nearly $230 billion over the next decade.

    As dizzying as the back and forth between parties may seem, it’s important to understand how some of the law’s provisions (either repealed or implemented) will affect young people.

    Yesterday, White House Press Secretary Robert Gibbs held a conference call for college journalists to sell the effects of health care reform on young adults. Gibbs opened the call by outlining the specific provisions that concern young adults.  Here’s a recap:

    1. Young adults can stay on their parent’s health care plan until they are 26 if their employer does not offer them health care.  Before the ACA, most insurance companies removed children from parent’s plans at 19.  In 2014, all young adults will be able to stay on their parent’s health care even if their employer offers health care benefits.
    2. The law ends discrimination against those under the age of 65 with pre-existing conditions.  Gibbs cited a report released by the HHS that states 129 million Americans under the age of 65 have pre-existing conditions that may disqualify them from receiving insurance without the reform bill.  In 2014, the law will prohibit denial of insurance based on pre-existing conditions for all age groups.
    3. The new law helps create jobs.  Gibbs stated that since the law’s implementation, over 1 million private sector jobs have been created.  He estimated that the without the law, 250,000 to 400,000 jobs will be lost each year.

    To get a better idea of the major provisions in the reform bill, check out this timeline.

    Gibbs echoed a sentiment expressed earlier this week that the Democrats were excited to have a second chance to explain health care reform to the American people. He also stated that though the parties may not agree on how to reform this country’s health care system, the leaders should use the current bill as a foundation and build on it rather than taking steps backwards and repealing the entire bill.

    Despite the overwhelming vote today, former Republican Senate Majority Leader Bill Frist (TN) disagreed with his party’s efforts to repeal the Affordable Care Act. He argued that health care reform is now the “law of the land” and, as such, Republicans should drop the repeal and build on the current law, echoing Gibbs’s idea of last year’s bill as a foundation for health care reform in this country.

    Despite the revival of the health care debate, voters neither support nor oppose the current bill in an overwhelming majority. Polls indicate that some voters love the reforms, some hate them, but the majority of Americans fall somewhere in the middle.  About half the country trusts President Obama with health care reforms, while the other half trust the Republican party.  Experts, meanwhile, have cast doubt on the job killing-ness (or crushing-ness) of bill. The debate rages on.

    Do you support the Affordable Care Act or do you want it repealed? Comment below and let us know!

    Maeve Coyle
    Bio: Maeve is Rock the Vote's Communications intern.
    @mmcoyle
    Email the author at: blog(at)rockthevote.com



    New health care rules (not as boring as it sounds)

    Monday, November 22nd, 2010

    If you love lingo, acronyms, transparency and perhaps a bit of jargon, then this post may be for you. If you love not getting screwed by insurance companies, then this post is definitely for you.

    Let the health care reform wonkiness begin!

    Short version: new rules announced today will require insurance companies to spend at least 80 to 85 of your health insurance premiums on actual medical care. Rather than spending a ton of money on administrative costs, executive salaries, overhead and marketing or hording profits, insurance companies now have to spend money on direct care for patients and efforts to improve care quality. And if they don’t, you get a rebate.

    This is happening because of the health care reform law that passed this year.

    Long version: Re-read the short version. And for the jargon and acronym lovers, this regulation is called “medical loss ratio” or MLR. According to the Department of Health and Human Services (HHS!), the MLR regulation outlines disclosure and reporting requirements, details how insurance companies will calculate their MLR and provide rebates, and how changes can be made to the MLR standard to guard against market destabilization. So starting in 2011, we be able to see how insurance companies spend the money you pay on premiums.

    Finally, MLR is fine as a name (and sounds great as a concept), but couldn’t HHS have called this regulation the “Spend My Health Care Money on Actual Health Care or Give Me My Money Back” rule, even if SMHCMOAHCOGMMMB is a bit of a mouthful? Just a thought.

    Thomas Bates
    Bio: Thomas is Rock the Vote's Vice President of Civic Engagement.
    @BatesThomas
    Email the author at: blog(at)rockthevote.com



    Health Care Reform Starts Today

    Thursday, September 23rd, 2010

    Hey, do you remember that big ol’ fight about passing health care reform legislation? The Affordable Care Act was signed into law earlier this year and today several of the provisions are going into effect, including the provision that allows young adults to stay on your parents health insurance until the age of 26.

    Want more information about it? Check out www.gettingcovered.org, a site is designed to educate young adults and parents about this new provision, also known as dependent coverage. By taking a short quiz, you can get your “prescription” to find out if dependent coverage is right for you. The site also has links to useful info like FAQ’s on dependent coverage, profiles of real stories getting coverage, and state fact sheets on the impact of dependent coverage by state.

    There are a number of other provisions that are kicking in today. Starting now, insurers will no longer be allowed to deny coverage to young people because of pre-existing conditions or put lifetime limits on benefits. You’ll be able to get preventive services like screenings and vaccinations without incurring out-of-pocket costs and go to an OB-GYN without a referral from another doctor. Check out the official government website for the full overview: http://www.healthcare.gov/news/factsheets/overview.html

    Of course, in Washington, it seems like legislative fights are never over. Republicans have unveiled their plans for next year if they win back Congress, and it includes repealing the health care law. Democrats are digging in. Will it be a factor in the elections? We’ve asked candidates for the U.S. Senate their views on the law and will get those posted over the next several weeks so you can decide how you want to vote. Stay tuned.

    Thomas Bates
    Bio: Thomas is Rock the Vote's Vice President of Civic Engagement.
    @BatesThomas
    Email the author at: blog(at)rockthevote.com



    One-stop shop for Health Care

    Friday, July 2nd, 2010

    Yesterday, the Obama Administration launched HealthCare.gov, a website allowing you to find insurance options and understand your options under the law.

    HealthCare.gov also directs you to other websites to learn about prevention and compare hospital care.
    The two step insurance finder allows you to explore your coverage options by answering a few basic questions on where you live, your current situation, and your future needs; it then automatically sorts through a catalog of public and private options to identify a coverage choice that may be right for you. 

    The website provides detailed information on the law itself, including a cool timeline of what options become available when, explanations for featured provisions, a PDF of the full law, and special sections for some groups and issues. 

    The White House blog boasts of the website’s 500 pages of content and data for more than 1,000 insurance carriers and 5,561 open products.  In addition, the site provides information on the Pre-Existing Condition Plan in every state. 

    Some have compared HealthCare.gov to a travel website. Where are you going and when do you need to get there? HealthCare.gov, offers one-stop personalized shopping access to coverage options as well as comparison tools and information on the Affordable Care Act.  If you’re in the market for health care insurance, take a look at the site before you buy.

    UPDATE: Check out this video primer:

    Danni Lin
    Bio:

    Email the author at: blog(at)rockthevote.com



    A Word From Blue Cross

    Wednesday, June 2nd, 2010

    Rock the Vote is pretty proud that we pushed for – and eventually got – an extension for people ages 21-26 to stay on their parents’ health insurance. So we were more than happy to receive this letter from our health insurance company telling they are participating in the program BEFORE it goes into law in September.

    Click here to read the letter from CareFirst BlueCross.

    Jason
    Bio:

    Email the author at: blog(at)rockthevote.com