Sociology essay 3
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Sociology essay 3

Course Number: SOC 101, Fall 2012

College/University: Bellevue College

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Nataly Mejia November 27, 2012 Soc & 101 Essay 3 List of ten provisions of the Affordable Care Act: Coverage of Children to Age 26- This provision requires group health plans and insurers that offer health insurance for dependent children to make coverage available for children (married or unmarried) until age 26. Individual Mandate- All individuals will be required to have health insurance, with some...

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Mejia November Nataly 27, 2012 Soc & 101 Essay 3 List of ten provisions of the Affordable Care Act: Coverage of Children to Age 26- This provision requires group health plans and insurers that offer health insurance for dependent children to make coverage available for children (married or unmarried) until age 26. Individual Mandate- All individuals will be required to have health insurance, with some exceptions, beginning in 2014. Those who do not will pay a fine of $695 per person. Automatic Enrollment Summary- Employers with more than 200 full- time employees and who offer health coverage to automatically enroll and continue new full-time employees in one of its health benefit plans. Pre-Existing Condition Exclusions- Children under age 19 cannot be denied coverage because of a medical condition that already exists Preventive Health Services- requires group health plans and health insurers to cover preventive health services without co-pay, coinsurance, deductibles or other cost-sharing when delivered by a network provider. Appeals & External Reviews- requires group health plans and health insurers to have an internal claims and appeals process to allow consumers to appeal decisions about paying claims, eligibility for coverage, or ending coverage. Essential Benefits- Emergency services, hospitalization, lab services, prescription drugs, Preventive and wellness services and chronic disease managementetc. Plans in the Exchanges will be required to offer benefits on four different levels that meet a minimum set of standards. Annual Dollar Limits- For plan/policy years beginning on or after September 23, 2012 but before January 1, 2014, $2 million Expansion of Public Programs- provides for the expansion of Medicaid to individuals with incomes up to 138% of the federal poverty level based on modified adjusted gross income. Discrimination in Favor of Highly Compensated Individuals- prohibits insured group health plans from discriminating in favor of highly compensated individuals. My personal thoughts on the Affordable care act are mixed but simple at the same time. This Act unquestionably is for the better good of everyone. But with the understanding that the constitution is a granting of limited, explicit powers, then this means that any power not explicitly granted is forbidden to congress. I Second, asked myself what provision of the constitution authorizes the government to require a citizen to purchase a good. This is a new thing that has never been done before. The main argument I have is about the mandate, and the reason it being unconstitutional is because Congress does not have the Constitutional power to do this. The Constitution outlines the powers that each branch of government has, and no branch has this type of authority. I don't support the individual mandate in Obamacare, but I do think that there are some good provisions in the law, especially the provision that forces insurance companies to sell insurance to people who want it and can afford it. If people get seriously ill; who don't have health insurance, then the hospital and eventually the American taxpayer ends up paying for their treatment. At the same time, I feel that the ACT is also perfectly constitutional to allow all people the opportunity of health care. Obama has said repeatedly, that if you don't want to change your current plan than you don't have to. It's for the people who lose everything from an illness that this act benefits, which is humane. Additionally, I feel as though many people have a mind set that the government does not have the authority to force them to pay the health care bills of over weight people, drunks, junkies, smokers, pregnancyetc. Yes it does end up helping the people who are irresponsible, but that was not the reason the law was put into place. I also like how beneficial this act is; Young adults like me will be able stay on their parents' insurance until their 26th birthday! One less thing to worry about! Overall the only change I would like to see is the cost of this new bill being lowered, and have the controversies figured out. Everyone wants a world where there's no such thing as medical bills for anyone. A start would be clamping down on some of the basic items and procedures done (Is there a reason there needs to be such a high cost to transport a lab sample from the patient's room tot he lab three floors down? Do they need to charge a patient for an entire bottle of Tylenol when they only use a couple?). These areas would be a good pace to start with getting the cost to be affordable to all. Sadly, it's not the world we live in and pretending it's different will not change reality.

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