Showing posts with label essential benefits. Show all posts
Showing posts with label essential benefits. Show all posts

Friday, November 29, 2013

Perception vs. Reality: The State of the U.S. Health System

Perception vs. Reality: The State of the U.S. Health Systems It appears Americans do not see a need for health care reform. Earlier this week Gallup released the results of its annual Health and Healthcare Poll

Health care was ranked the second most important issue to focus on in this country. It also ranked highly in the polls of 1993-94 and 2009-10. The pattern? Health care was in the news a lot during these times with the possibility of reform. It is in the news a lot now with the start of actual reform. And the kickoff of the reform has been less than stellar. This poll was conducted November 7-10 this year. By that point, Americans were already exposed to some pretty bad press in relation to the ACA. 

Let’s explore some of the specific findings. 

General Health Care
 Americans rate their own general health care higher than the overall nation’s (this result is on trend with those Gallup has received over the past decade in relation to this question). 

Cost 
Americans are satisfied with the cost of their own health care and view it as more reasonable that the general cost across the country. Although, the majority named cost “the most urgent health problem” in the country. So, I supposed Americans do see room for improvement here. 

Quality 
Quality was rated high in both cases. Seventy-nine percent were personally pleased with their quality, and 54% rated general quality across the country as good or excellent. 


Change is hard. Ignorance is bliss. It’s easier to stay in plans that we think are alright than to find out how sub-par aspects actually are. Compared to other countries, the U.S. doesn’t do too well in relation to these three topics. 

General Health Care
In a couple blog posts ago, I briefly discussed how the U.S. relates to other countries in term of general health care. Our perception doesn't match our reality.  The reality is less than satisfactory. 

 Cost 
“…The world’s richest country spends more of its money on health care while getting less than almost every other nation in return.” – Huffington Post 

“While there is room for improvement in every country, the U.S. stands out for not getting good value for its health care dollars, ranking last despite spending $7,290 per capita on health care in 2007 compared to the $3,837 spent per capita in the Netherlands, which ranked first overall.” -- Commonwealth Fund 

Quality 
In one of the comparisons I looked at, the Commonwealth Fund compared the health care systems of seven industrialized countries. They were rated on quality, efficiency, access to care, equity, and life quality and expectancy. The U.S. came in last overall. In terms of quality, we were a little better at a six out of seven. 

When breaking down quality, we came in 4th in regards to  effective care and patient-centered care. The factor that drove down our quality score was the ability to provide safe care. We are the worst at providing safe care. Personally, I consider this to be an essential when talking about quality. We spend more than we need to and can’t even expect to be safe in the end. In fact, procedures such as C-sections and colonoscopies are performed more often than they are actually needed so that more money can be made by the health care industry. Our safety is being risked for profit. 

The ACA offers consumer protections, so that things like this cannot happen.  Our government, media, and the health care industry need to do a better job educating Americans about the ACA so that our perceptions of our health care can meet and improve our reality.

Wednesday, November 27, 2013

A Song about Benefits of the ACA

A Song about Benefits of the ACA
The following video offers an entertaining yet informative value to viewers in that it touches upon essential ACA need-to-know ideas.




To expand upon the video, here is an image that summarizes the essential health benefits as well as lists other key perks of the ACA.  I've taken this to community events with me, and people tend to be more accepting of Obamacare once they read this.  






Saturday, November 16, 2013

If you can't keep your insurance… where you stand


President Obama upset millions of Americans.  Over the past few years, he said that “If you like your health plan, you can keep it.”  This has turned out not to be true for 5% of Americans.

It appears these plans will be available at least for a little while.  

My Advice: Consider New Options
If this happened to me, I would be mad as hell.  Especially since it’s difficult to access the new plans.  I would be worried about prices and coverage.  But, I would research what I could.  In considering this scenario, I did the research anyway. 

Here’s what I’ve come up: 

-      Any plan that was created before the passage of the ACA in 2010 was “grandfathered’ into the new Marketplace. These remain. 
-      Any plan that was created or changed after 2010 that did not meet the requirements of the ACA would be cancelled at the end of 2013. 

So, yes, the President lied.  But, the plans that people want to keep are expensive and do not carry important consumer protections such as the 10 essential health care benefits.  “Individual policies have long been a problematic part of the insurance market, with higher prices than most group plans, fewer benefits and a tendency to cut people off when they get sick,” says a Washington Post article

I am sure with all of this debate that people will have a little longer to choose.  I am personally hopeful that the Marketplace Web site will be working by January 1st.  I might wait to research coverage and pricing in the Marketplace and compare the information to my current plan.  After all, a plan from the Marketplace not only brings guaranteed better protections, but it also comes with a subsidy to lower the cost. 


Proposed Fixes:
1. Obama: These plans can carry on for one more year.
2. The Senate: A few plans similar to Obama’s have been proposed.  The Landrieu bill would allow for Americans on these plans to stay on them indefinitely.  The Udall bill would allow for these plans to stay around for two years. Then, they would be cancelled.
3. The House of Representatives: Americans on these plans can stay on them, and insurance companies can sell them to others who are shopping around for insurance.  This has already passed in the House and will need approval from the Senate and the President. 

Another twist to all of this: Any decision would also need approval by each state’s insurance commissioner.  

Friday, November 8, 2013

Why Access to Good Women's Care is Not a Bad Thing

Many of the hot button issues surrounding Obamacare are in relation to women's care.
 Below are a few blurbs about why these issues may not be so bad.  I strongly advise you to check out the links.

 

A Few Words

Birth Control Access is Good for Society
Economist Martha Baily found that access to contraceptives and family planning helps an entire family.   For those who have access, they and their children are show better college completion rates, labor force participation, and higher wages.

Why Charging Men for Maternity Care is Fair
Even though a man cannot physically have a baby, he helps in the creation. And even if a man never has a child, he was once someone's kid.  Read the article from Slate-- it offers surprising reasons why men should be charged for maternity care.  It'll make sense once you finish the article.


Thursday, November 7, 2013

A Success Story from Pittsburgh

A Pittsburgh woman was patient in her quest for new health coverage.  Gail Roach was paying $509/ month because of her pre-existing condition (Type 2 diabetes).  After attempting to search prices on the federal Marketplace, Roach called the phone number (1-800-318-2596). The person on the other end of the line found a plan for Roach that will cost $1.11/ month. 

ACA Benefits