As the healthcare plan conceptualized and signed into law byPresident Barack Obama faces it’s toughest scrutiny before the United States Supreme Court, the perceived over-reach of the U.S. government has been debated over as some people take offense to being told how to spend their money — even if it means the difference between life and death.
As piles of conservative distractions shift the focus from the myriad of benefits of the Patient Protection and Affordable Care Act, BlackDoctor.org has taken the time to break down the components of the Act and what exactly it means for you, your children, parents and extended family.
The loud protests successfully designed to make some citizens feel that Obama is preaching or being condescending — or as Rick Santorum calls it, being an “elite snob” — continue to drown out the administration’s sub-par ability to sell Obamacare to the public. Now, you can read the details for yourself in laymen’s terms:
BlackDoctor.org) — How will the new health care law benefit me and my family?
Children. Health insurance companies can no longer deny coverage to children who have pre-existing medical conditions. A pre-existing medical condition is a condition that a person has or has received treatment for before applying for health insurance coverage. New health plans (those that do not have “grandfather” status under the law) are also required to cover the full costs of immunizations for children. This means that you don’t have to pay a co-payment or deductible to have your child vaccinated under these plans.
Adults. New health plans are required to cover all costs associated with preventive services for men and women. This means you don’t need to pay a co-payment or deductible for preventive services under these plans. Preventive services help you stay healthy. The types of preventive services you need depend on your gender, age, medical history and family history. Examples of preventive services include diabetes screening, some vaccines (such as the flu shot), Pap smears for women and prostate cancer screenings for men.
Also, if you are 26 years of age or younger, you can remain a dependent on your parents’ private health insurance plan even if you do not live with them and are not a student.
How will the new law benefit seniors?
The law benefits Medicare patients who hit the coverage gap (“donut hole”) under the prescription drug benefit. The coverage gap is a period of time in which you have to pay for all your prescription drug costs yourself. In 2010, enrollees who reached the coverage gap under Medicare Part D received a $250 rebate from Medicare.
Starting in 2011, enrollees received a 50% discount on brand-name prescription drugs covered by Medicare Part D. The discount will begin to increase starting in 2013 until enrollees pay just 25% of the cost of brand-name drugs in 2020.