At a recent presentation, Kevin Kane, health care organizer for Citizen Action of Wisconsin, who travels Wisconsin giving talks on the Affordable Care Act (ACA or Obamacare), listed some ACA provisions already in effect: Adults under 26 can obtain coverage under parents' health insurance. Children with pre-existing conditions cannot be denied coverage. Insurance companies cannot set lifetime limits on essential health benefits. Preventive measures and screenings, such as birth control, mammograms and colonoscopies, must be covered by insurance without charging coinsurance or copayments. The Medicare prescription drug donut hole will gradually be shrunk by 2020. Insurance companies must spend at least 80 cents of every dollar on health care. The Health Insurance Marketplace open enrollment period begins Oct. 1, with coverage starting no earlier than Jan. 1. Wisconsinites will use the federal government's Marketplace at "healthcare.gov." Assistance will be available for those not able or willing to use the internet. Kane discussed ACA provisions effective Jan. 1. Marketplace insurance plans must provide minimum standards of coverage that can be compared "apples-to-apples" with competitors' plans, with no fine print Insurance companies cannot deny coverage based on pre-existing conditions. Applications take about 7 minutes to complete; no health history is required. Premiums for applicants aged 60-64 are capped at 3 times what 20-year-olds pay. Depending on income, family size, and plan type, enrollees may qualify for reduced monthly premiums or out-of-pocket costs. Misleading information is being spread by Obamacare opponents. One scare tactic claims ACA implementation will result in rate hikes. MIT's Dr. Jonathan Gruber, a leading expert on health economics and actuarial science, says the competitive Marketplace will benefit Wisconsin consumers. His research estimates that while many on the individual market will see rate increases, after figuring in tax credits and rebates, average insurance premiums will fall. Gruber says individuals experiencing insurance discrimination, denials, or higher rates-including those with pre-existing conditions, women and older adults-will see premiums fall dramatically. For accurate information on what Obamacare can do for you: Visit the healthcare.gov or citizenactionwi.org websites Contact Kevin Kane, Citizen Action of Wisconsin, 414-550-8280, to schedule a presentation for your group. Call the Insurance Marketplace, 1-800-318-2596, for answers to your questions.
Posted: Friday, September 20, 2013
Article comment by:
Randall R. Kniess
It all sounds great until your full time job is 29 hours a week. You are forced to buy coverage you don't need or want. The coverage you liked and once could afford is now mandated to cover procedures you wouldn't want or need. Your business goes out of business. You are told to take a pain pill, rather than receive the procedures necessary to live on. You are waiting in a long line because the hospital has had to let go its staff to reach levels of spending to match the Obamacare mandates. This man is a charlatan and this newspaper is promoting the destruction of your rights to have the coverage you once sought or had. This guy is cashing in on your tax dollars and so many are being taken in and will soon be a slave to a nameless bureaucrat. And this guy will be laughing all the way to the bank. And my Congressman will be sitting by his side.