Unfortunately, I was a little disappointed, with the Act in full swing; there have been many reports that the ACA is hurting people more now, than it did prior to its implementation, putting severe strain on not only their health, but also their checkbooks in the process. This results from excessive premiums, outrageous deductibles and co pays, leaving many still unable to afford medical treatment.
In my opinion, there are areas, which continue to raise concern; they are the effects of the ACA on small businesses, the availability to healthcare in certain ethnic groups, funding for Medicaid and Medicare, and mental health coverage.
One major accomplishment under the ACA is that benefits cannot be limited for preexisting conditions in adults or children. This is a great step in the right direction as prior to the ACA; many people were “dropped” from their insurance plans, as they were considered “too sick for coverage.” Once they had reached their lifetime caps, their insurance companies tossed them aside.
In a lead up to the ACA, the U.S. Government implemented a plan known, as the Pre-Existing Condition Insurance Plan (PCIP) The PCIP was a temporary insurance plan for those who have lost or been denied health insurance coverage due to preexisting conditions. Eligibility for this plan, included, you m...
... middle of paper ...
...my employer, the deductible is around $5000.00, and co pays for my insurance plan are $30.00 a visit to a regular physician.
In addition, as far as the issue regarding African-Americans and cancer prevention, changes have to be implemented as far as the screening age for high risk patients; this has to be lowered if the patients have any hope of survival after receiving their diagnosis.
Incentives should also be reviewed to encourage providers to accept both Medicaid and Medicare patients. With reimbursement rates so low for these providers, this serves as a major deterrent for any new physicians who may be interested in accepting Medicaid and Medicare patients.
Like all new policies, it will be a work in progress, and only time will tell how successful the ACA really is. It will be interesting to see the studies in five years to see what impact the ACA really has.
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