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This is great – it’s all explained! WHAT OBAMACARE IS AND WHAT DID IT CHANGE


Hi to all,

This information was taken off of the website http://www.reddit.com/tb/vbkfm.

Given what ever ones opinion is about the new health care law, this website spells it out pretty well. If you read what the law intails I think it will not make it so scary. 

English: Barack Obama signing the Patient Prot...

English: Barack Obama signing the Patient Protection and Affordable Care Act at the White House (Photo credit: Wikipedia)

 

Okay, explained like you’re a five year-old (well, okay, maybe a bit older), without too much oversimplification, and (hopefully) without sounding too biased:

What people call “Obamacare” is actually the Patient Protection and Affordable Care Act. However, people were calling it “Obamacare” before everyone even hammered out what it would be. It’s a term mostly used by people who don’t like the PPACA, and it’s become popularized in part because PPACA is a really long and awkward name, even when you turn it into an acronym like that.

Anyway, the PPACA made a bunch of new rules regarding health care, with the purpose of making health care more affordable for everyone. Opponents of the PPACA, on the other hand, feel that the rules it makes take away too many freedoms and force people (both individuals and businesses) to do things they shouldn’t have to.

So what does it do? Well, here is everything, in the order of when it goes into effect (because some of it happens later than other parts of it):

(Note: Page numbers listed in citations are the page numbers within the actual document, not the page numbers of the PDF file)

Already in effect:

1/1/2013

  • If you make over $200,000 a year, your taxes go up a tiny bit (0.9%). Edit: To address those who take issue with the word “tiny”, a change of 0.9% is relatively tiny. Any look at how taxes have fluctuated over the years will reveal that a change of less than one percent is miniscule,especially when we’re talking about people in the top 5% of earners. ( Citation: Page 818, sec. 9015

    )

1/1/2014

This is when a lot of the really big changes happen.

  • No more “pre-existing conditions”. At all. People will be charged the same regardless of their medical history. ( Citation: Page 45, sec. 2704, Page 46, sec. 2701, and Page 57, sec. 1255

    )

  • If you can afford insurance but do not get it, you will be charged a fee. This is the “mandate” that people are talking about. Basically, it’s a trade-off for the “pre-existing conditions” bit, saying that since insurers now have to cover you regardless of what you have, you can’t just wait to buy insurance until you get sick. Otherwise no one would buy insurance until they needed it. You can opt not to get insurance, but you’ll have to pay the fee instead, unless of course you’re not buying insurance because you just can’t afford it. (Note: On 6/28/12, the Supreme Court ruled that this is Constitutional, as long as it’s considered a tax on the uninsured and not a penalty for not buying insurance… nitpicking about wording, mostly, but the long and short of it is, it looks like this is accepted by the courts) ( Citation: Page 145, sec. 5000A

    , and here

    is the actual court ruling for those who wish to read it. )

Question: What determines whether or not I can afford the mandate? Will I be forced to pay for insurance I can’t afford?

Answer: There are all kinds of checks in place to keep you from getting screwed. Kaiser actually has a webpage with a pretty good rundown on it, if you’re worried about it. You can see it here

.

Okay, have we got that settled? Okay, moving on…

  • Small businesses get some tax credits for two years. (It looks like this is specifically for businesses with 25 or fewer employees) ( Citation: Page 138, sec. 1421

    )

  • Businesses with over 50 employees must offer health insurance to full-time employees, or pay a penalty.
  • Insurers now can’t do annual spending caps. Their customers can get as much health care in a given year as they need. ( Citation: Page 14, sec. 2711

    )

  • Limits how high of an annual deductible insurers can charge customers. ( Citation: Page 62, sec. 1302

    )

  • Cut some Medicare spending
  • Place a $2500 limit on tax-free spending on FSAs (accounts for medical spending). Basically, people using these accounts now have to pay taxes on any money over $2500 they put into them. ( Citation: Page 801, sec. 9005

    )

  • Establish health insurance exchanges and rebates for the lower and middle-class, basically making it so they have an easier time getting affordable medical coverage. ( Citation: Page 88, sec. 1311

    )

  • Congress and Congressional staff will only be offered the same insurance offered to people in the insurance exchanges, rather than Federal Insurance. Basically, we won’t be footing their health care bills any more than any other American citizen. ( Citation: Page 81, sec. 1312

    )

  • A new tax on pharmaceutical companies.
  • A new tax on the purchase of medical devices.
  • A new tax on insurance companies based on their market share. Basically, the more of the market they control, the more they’ll get taxed.
  • The amount you can deduct from your taxes for medical expenses increases.

1/1/2015

  • Doctors’ pay will be determined by the quality of their care, not how many people they treat.Edit: a_real_MD addresses questions regarding this one in far more detail and with far more expertise than I can offer in this post. If you’re looking for a more in-depth explanation of this one (as many of you are), I highly recommend you give his post a read.

1/1/2017

  • If any state can come up with their own plan, one which gives citizens the same level of care at the same price as the PPACA, they can ask the Secretary of Health and Human Resources for permission to do their plan instead of the PPACA. So if they can get the same results without, say, the mandate, they can be allowed to do so. Vermont, for example, has expressed a desire to just go straight to single-payer (in simple terms, everyone is covered, and medical expenses are paid by taxpayers). ( Citation: Page 98, sec. 1332

    )

2018

  • All health care plans must now cover preventive care (not just the new ones).
  • A new tax on “Cadillac” health care plans (more expensive plans for rich people who want fancier coverage).

2020

  • The elimination of the “Medicare gap”

.


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Aaron Fotheringham performing the backflip

Aaron Fotheringham performing the backflip (Photo credit: Wikipedia)

On a recent, blazing hot afternoon at a suburban Las Vegas skate park,Aaron Fotheringham, 18, was tearing up the concrete.

Launching himself from a 12-foot vertical drop, he raced full speed to the other side of the bowl, planted his hand on the edge, and dropped back down.

“Man, that feels good,” Aaron, known to the locals as “Wheelz,” said as he skidded to a stop. “I don’t think any drug in the world could top that. I love adrenaline.”

Aaron doesn’t just fit in with the other teenage daredevils skating and biking at this park, he routinely outdoes them by pulling off stunts like hand plants and heart-stopping back flips.

Aaron’s talent at the skate park isn’t the only thing setting him apart from his skating buddies. He’s different in one very crucial way. Aaron is in a wheelchair.

Wheelchair Isn’t Just a Medical Instrument

“A lot of people think of the wheelchair as a medical instrument,” Aaron told ABC News, as he sat among a pile of busted wheels in the back yard of his family’s home. “I think that’s wrong. You know, why not think of it as something fun?”

Born with spina bifida, a birth defect of the spinal cord, Aaron has been without the use of his legs since birth.

Spreading Joy to Special KidsWatch Video
Image
Freewheeling ‘Four-Wheel Bob’Watch Video

“We credit a lot of his progression or desire to do what he’s doing to the fact that we were told by the doctors that he would be completely incapable,” Aaron’s mother, Kaylene Fotheringham, 51, told ABC News in the family’s suburban Las Vegas home. “They’re telling us as an infant, ‘Oh, you know, he’s not going to be able to sit independently. He’ll never walk.”

“I’ve often wished I knew where that doctor was,” she added. “To say, ‘Look at this kid that you told us would never be anything. And look at what he’s done.'”

Making History in a Wheelchair

Aaron, who welds many of his own chairs, and estimates he’s busted 8 or 9 wheels since the start of the year, started riding at skate parks at age eight, after watching his older brother take ramps on a bicycle.

Today he travels the world with other extreme athletes, performing his stunts at events like Nitro Circus Live, where he routinely jumps off a nearly 50-foot ramp in front of thousands.

Aaron keeps shredding his limits.

Just weeks ago, he pulled off the first-ever double back flip in a wheel chair, a stunt that’s garnered over half a million hits on YouTube in just three weeks.

“That was probably the best feeling ever,” Aaron said of the day he landed the flip. “That was probably the happiest I’d ever been. I couldn’t sleep that night. I was just so pumped up.”

Despite the excitement and adrenaline he gets from pulling off a stunt, Aaron said it can’t compare to inspiring kids like him.

Zac Puddy, a 7-year old boy from Seattle who’s been in a wheelchair ever since suffering a stroke 18 months ago, is one of thousands who sees in Aaron possibilities for a life for himself that he thought was only for other kids.

On a recent afternoon, Zac and Aaron rolled around the Puddy family driveway together.

“One more time. Get set. Go!” Zac yelled as he and Aaron sped down the pavement side-by-side.

“He’s a hero, he’s a hero” Zac’s mother, Linda Puddy said. “He thinks Aaron flies. ”

Aaron’s mother, Kaylene, says that’s the best part of seeing her son’s success.

 


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Oh Happy day. People with disabilities civil rights to health care is now protected


A happy day — what the Supreme Court’s ruling means to people with disabilities

Posted on June 28th, 2012 by Katy

Ben TrockmanWow — this is a really happy day!

Everyday, we advocate for access to appropriate and high quality health care services for everyone we serve. And with this morning’s Supreme Court ruling on the Affordable Care Act (ACA), the Court ensures the continuation of the law’s policies that protect access to private health insurance for children with pre-existing conditions and young adult dependent children up to the age of 26, bar lifetime health insurance caps, and leaves in place the essential policies that will take effect in 2014.

Simply put, the ACA is critical to millions of families living with disabilities. The Court’s ruling today tells our families they can make decisions about what is best for them as a family, and not be controlled by fear of losing health insurance coverage.

Over the course of the past several weeks, I’ve been up at night worrying about the impact of this decision on our clients. Someone said this morning, “prior to the ACA, all of us were all one car accident away from bankruptcy, or a life of poverty and dependence.” No one knows that better than Ben Trockman. Here’s what Ben has to say:

Health insurance is absolutely one of the most important things in my life since my injury. Without having health insurance, I would not have been able to attend many different places around the country, from the Shephard Center in Atlanta and Kennedy Krieger in Baltimore to Easter Seals here in Evansville, where I learned more about my injury and the way life would change.

We learned, basically, how life is different with an injury such as mine, and how to deal with things on a day-to-day basis. We worked with different types of therapy, getting used to my wheelchair, knowing how to treat my body and how dangerous pressure sores were. We gained knowledge about so many important things that would have never been possible because of the extreme expenses, without health insurance. I figured out how much my body could do physically. I spent 3 months doing very intensive therapy, 5 hours a day. I learned so much about the way to treat my body with exercise and how important it was.

And now, I look around my room, all the important things that make life a little easier … my wheelchair, my alternating air pressure mattress on my bed, the lift above my bed that helps move me to and from … NONE of that would have been affordable without health insurance.

Or, for Caroline Long, a sweet 11-year-old girl, whose fun personality comes through despite her inability to speak. She’s a fifth grader from Alabama, who loves school and outings with her family. Caroline has Rett syndrome. Generally considered a severe form of autism, it especially affects expressive language and hand use.

When it comes to health insurance, her mom Drew Ann Long believes:

It would be devastating to lose, it’s that critical. It helps provide Caroline with a quality of life that would be compromised. Having a child with multiple medical needs, never knowing what is around the next corner, I simply cannot imagine not having health insurance. I love having the freedom to choose the doctors I want. Health insurance provides a level of “freedom” from worry, to some degree. Every aspect of Caroline’s existence, and our family’s, is dependent upon health insurance.

The ACA is changing the lives of millions of people living with disabilities. Families no longer have to worry about the financial consequences of not having insurance because the ACA ensures children with pre-existing conditions cannot be dropped from private health insurance. Similarly, individuals with chronic health conditions don’t have to worry about losing coverage if they need care that exceeds their insurance company’s lifetime cap. In 2014, adults with disabilities who have pre-existing conditions will soon be able to buy health insurance that meets their needs. The ACA also provides guidance to states to increase the availability of home and community-based services so people with disabilities can access needed care in settings other than nursing homes.

We just learned that the House of Representatives has scheduled a vote to repeal the Affordable Care Act for the week of July 9, 2012. Watch this blog for more information about how you can share your views on this important topic.

Woo Hoo!