I like ObamaCare. As a practicing physician, I had to reject many deserving patients because they did not have insurance or had Medicaid, which paid so little I would not have been able to pay my rent. Most of my patients had diabetes and the provisions of the act are especially helpful to them. The opponents of ObamaCare don’t like the fact that people are forced to buy health insurance or pay a penalty beginning in 2014. Instead we all pay a penalty in the form of higher premiums to offset the money spent on people without insurance. And we all pay a penalty for the huge amount of money spent on end-of-life care, care that may prolong life for a week or two, but the quality of that life is often miserable. To prevent that from happening, many people have a “living will” and you should have one too.
So what are the provisions of ObamaCare? They seem pretty reasonable to me:
- Insurers can’t deny insurance to children because of preexisting conditions as of 2010 and to adults as of 2014.
- As of 2010 insurers could not drop people because they develop a new condition.
- Health insurers can’t deny coverage to people or increase premiums for any reason.
- Young adults may remain on their parent’s plan until age 26.
- A new Cures Acceleration Network finances research into cures for diseases.
- A new National Diabetes Prevention Program funds community efforts to help people with diabetes.
- Restaurants with more than 20 locations most post calorie counts.
- Employers are encouraged to use workplace wellness programs to reward employees.
- After 1/2014 there’s no annual limit on benefits.
- After 1/2014 there’s no coverage waiting period greater than 90 days.
- The amount that Medicare pays for medications rises to 100 % by 2020.
- Higher Medicaid reimbursement of primary care physicians
- Access to Insurance Exchanges if people can’t get private insurance.