1 Stable and Secure Health Care for America: The Benefits of Health Insurance Reform: Table of Contents HEALTH INSURANCE CONSUMER PROTECTIONS... 1 STABLE AND SECURE HEALTH CARE FOR AMERICA... 2 HEALTH INSURANCE REFORM REALITY CHECK... 3 HOW HEALTH INSURANCE REFORM WILL HELP YOUR FAMILY... 4 HOW HEALTH INSURANCE REFORM WILL HELP SMALL BUSINESS... 5 HOW HEALTH INSURANCE REFORM WILL HELP RURAL AMERICANS... 6 HOW HEALTH INSURANCE REFORM WILL HELP SENIORS... 7 HOW HEALTH INSURANCE REFORM WILL HELP EARLY RETIREES AGED 55 TO HOW HEALTH INSURANCE REFORM WILL HELP WOMEN... 9 HOW HEALTH INSURANCE REFORM WILL HELP YOUNG ADULTS HOW HEALTH INSURANCE REFORM WILL HELP CHILDREN HOW HEALTH INSURANCE REFORM WILL HELP MINORITIES HOW HEALTH INSURANCE REFORM WILL HELP PEOPLE WITH DISABILITIES... 13
2 THE SECURITY YOU GET from health insurance reform: No Discrimination for Pre-Existing Conditions Insurance companies will be prohibited from refusing you coverage because of your medical history. No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses. No Cost-Sharing for Preventive Care Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics. No Dropping of Coverage for Seriously Ill Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill. No Gender Discrimination Insurance companies will be prohibited from charging you more because of your gender. No Annual or Lifetime Caps on Coverage Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive. Extended Coverage for Young Adults Children would continue to be eligible for family coverage through the age of 26. Guaranteed Insurance Renewal Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won t be allowed to refuse renewal because someone became sick. What does health insurance reform mean to you?
3 Stable and Secure Health Care for America If You re Happy With Your Coverage If You Don t Have Health Insurance Consumer Protections Keep Your Existing Coverage Stable Costs, Secure Choices and Health Insurance Consumer Protections Health Insurance Exchange A Private Insurance Plan, a Competitive Public Option and Health Insurance Consumer Protections Health Care that Works for American Families and Small Businesses
4 - PRESIDENT BARACK OBAMA Whether or not you have health insurance right now, the reforms we seek will bring stability and security that you don t have today. This isn t about politics. This is about people s lives. This is about people s businesses. This is about our future. As the passing of health insurance reform draws near, the defenders of the status quo in Washington are growing fierce in their opposition and using misleading information to defeat the chance of real reform. Health insurance reform will protect people against unfair insurance practices; provide quality, affordable insurance to every American; and bring down rising costs for families and businesses this shouldn t be about Washington politics. It s about American lives, businesses and our future. It s never been more important to dispel these outlandish rumors and myths. Learn the facts and share them with your friends, family and neighbors. You Can Keep Your Own Insurance Reform isn t about putting government in charge of your health insurance; it s about putting you in charge of your health insurance. If you like your doctor, you can keep your doctor. If you like your health care plan, you can keep your health care plan. Reform Will Stop Rationing Not Increase It Reform will not lead to a government takeover of health care or rationing. On the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies. Reform Will Benefit Small Business Not Burden It Health insurance reform will ease the burdens on small businesses and help level the playing field with big firms who pay much less to cover their employees on average. The Euthanasia Distortion on Help for Families It s a malicious myth that reform would encourage or even require euthanasia for seniors. On the contrary, reform empowers families and provides the option to get resources and accurate information. Your Medicare is Safe, and Stronger with Reform Reform would simply eliminate waste and unnecessary subsidies to insurance companies, not cut Medicare benefits. Reform Won t Add to the Deficit it Will Bring Down Long Term Costs President Obama has demanded that health insurance reform not add to the deficit, and has identified hundreds of billions of dollars in savings by eliminating unnecessary subsidies to insurance companies through Medicare. Skyrocketing health care costs pose the biggest threat to our fiscal stability in the long term under the status quo, and reform is imperative to bring down those costs. Health Insurance Consumer Protections The security YOU GET from health insurance reform: No Discrimination for Pre-Existing Conditions No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays No Cost-Sharing for Preventive Care No Dropping of Coverage for Seriously Ill No Gender Discrimination No Annual or Lifetime Caps on Coverage Extended Coverage for Young Adults Guaranteed Insurance Renewal Learn More and tell us what myths we should address next Visit WhiteHouse.gov/realitycheck
5 How Health Insurance Reform Will Help Your Family Lower Costs for American Families Preventive Care for Better Health and Lower Costs: Prevents insurance companies from charging you for preventive care so illness and disease can be prevented instead of just treated when it s too late and costs more. Insurance Industry Reforms that Save You Money: Puts a cap on what insurance companies can force you to pay in out of pocket expenses and deductibles. Eliminates yearly and life-time limits on how much insurance companies cover if you get sick. Greater Choices for American Families One-Stop Shopping Putting Families in Charge: With the new health insurance exchange you can easily compare insurance plans, prices and performance so you can decide which quality affordable insurance option is right for you. Insurance Security: Health insurance reform will ensure that you and your family always have guaranteed choices of quality, affordable health insurance whether you lose your job, switch jobs, move or get sick. With a competitive public insurance option, you will also benefit from increased competition that holds insurance companies accountable. Quality, Affordable Health Care for all Americans Ending Insurance Company Discrimination: Health insurance reform will prevent insurance companies from denying you health insurance because of a pre-existing health condition and it will prevent them from dropping your coverage if you get sick or charging you more because of your health of gender. Tax Credits and Premium Assistance for Families and their Employers: Health insurance reform provides credits and assistance to working families to make sure they can afford quality coverage and to small businesses so they can offer competitive, affordable rates to their employees.
6 How Health Insurance Reform Will Help Small Business Lower Costs for Small Businesses Preventive Care for Healthier Workers: Chronic disease costs $1 trillion in lost productivity each year and small businesses do not have a reserve of workers they can rely on when someone calls out sick. Health reform will require insurance plans to provide free preventive services and create a system that manages illness and disease instead of just treating it when it s too late and costs more. End the Hidden Insurance Tax: Nearly three-quarters of small businesses that do not offer benefits cite high premiums as the reason. Premiums are high, in part, because of a hidden insurance tax of more than $1,000 for the unpaid costs of care of the uninsured. Health insurance reform will address this burden by reforming the system and offering affordable insurance options for all Americans. Invest In Businesses Again: As health care costs continue to rise, other business investments get crowded out. In fact, 40 percent of small businesses say that health care costs have had a negative impact on other parts of their business. By lowering health care costs through more efficient care, more of our nation s dollars can go towards investments in our economy, enabling businesses to thrive. Greater Choices for Small Businesses and Their Employees One-Stop Shopping Lower Administrative Costs: Small businesses pay three times the administrative costs of large businesses for health insurance. Health reform will create a health insurance exchange that will significantly reduce administrative costs by reforming the health insurance market, enabling small businesses to easily and simply compare the prices, benefits and performance of health plans. More Affordable Choices and Insurance Competition: In several states, one health insurance company dominates more than 70% of the small group insurance market. With an exchange, competitive private plans and a public option will increase the choices for small businesses and promote competition that holds private insurers accountable. Quality, Affordable Health Care Options for Small Businesses Tax Credits to Provide Health Benefits: Health insurance reform will provide small businesses with tax credits to help them provide health insurance for their employees. This will make health care more affordable for small businesses and their workers. Fairness for Small Businesses: To level the playing field and help small business, big employers that do not support their workers health benefits would share in their costs through an assessment. Given the unique challenges facing the smallest businesses, they will be exempt from such a requirement.
7 How Health Insurance Reform Will Help Rural Americans Lower Costs for Rural Americans Rural Americans are less likely to get needed preventive care, such as mammograms and pap smears for women, or routine foot, eye and blood exams for diabetics. Health reform will ensure that all Americans have coverage of preventive services to avoid disease rather than just treating it when it s too late and costs more. Ending the Hidden Tax: Insured families pay a hidden insurance tax of more than $1,000 for the unpaid costs of care of the uninsured. Health insurance reform will address this financial burden by reforming our system and offering affordable insurance choices for the 20% of rural families who don t have insurance. Financial Relief for Working Families: Rural Americans pay for nearly half of their health insurance costs out of their own pocket and 1 in 5 farmers are in medical debt. By ensuring coverage of basic health care services, like preventive care, health reform will help rural families with their health care bills and provide the peace of mind that they will have coverage when they need it. Greater Choices for Rural Americans One-Stop Shopping - Putting Families in Charge: One-third of farmers purchase health insurance directly from an insurance company more than three times the national average. This leads to higher costs for farmers and lack of secure coverage. Health insurance reform will create an exchange so you can simply and easily compare prices and health plans and decide which quality affordable option is right for you and your family. It s your choice. More Affordable Choices and Competition: Under reform, you will always have choices of quality, affordable health insurance even if you lose your job, change jobs, move or get sick. In many rural states, one insurance company dominates more than 80% of the market. This means that there are often only one or two insurance companies offering health plans to families. With a competitive public option, you will have increased choices and increased competition that holds private insurers accountable. Quality, Affordable Health Care for Rural Americans More Doctors Where People Need Them: Approximately 65 million Americans lack access to a primary care provider because of shortages many of whom are rural Americans. Health reform will invest in the health care workforce to ensure that people in rural areas have access to doctors, nurses and high quality health care. Eliminate Discrimination for Pre-Existing Conditions and Health Status: People in rural areas are more likely to have chronic health conditions such as heart disease and diabetes which insurance companies often use to deny coverage. Health reform will prevent all insurance companies from denying coverage based on your health and it will end discrimination that charges you more if you re sick. Tax Credits for Rural Small Business: Nearly a third of rural Americans work for small businesses and more than half of them remain uninsured as their employers struggle to provide health benefits. With premium credits and a more competitive insurance market, the cost of insuring employees will come down for rural small businesses, enabling them to provide health benefits. Improve Access to Services: Health insurance reform legislation will expand tele-health services so rural Americans can access specialty care, as well as support ground and air ambulance services to quickly transport people to health care facilities in times of need.
8 How Health Insurance Reform Will Help Seniors Lower Costs for American Seniors Strengthen the Financial Health of Medicare: By reducing waste and ending overpayments to insurance companies, the President s plan will save hundreds of billions over the next 10 years which will strengthen the long-term financial health of Medicare. Thousands in Savings with Deep Discounts for the Medicare Donut Hole : More than 8 million seniors in 2007 hit the donut hole, or the gap in prescription drug coverage in Medicare Part D. In an historic agreement, the drug industry has pledged to provide seniors in this coverage gap with a discount of at least 50 percent for medication costs saving thousands of dollars for some seniors. More Affordable Generic Drugs: Some cutting edge drugs are simply too expensive for many seniors. Creating a pathway for the approval of generic biologic drugs will improve affordability of medications for seniors and all Americans. Beneficiaries will no longer have to share in the cost of prevention. Application Simplification for Low-Income Medicare Beneficiaries: Health reform will simplify the application process for financial support for low-income seniors. Quality, Affordable Health Care for Seniors Protect Your Access to Your Doctor: Health reform will prevent a 20% cut in Medicare doctor payment rates next year - ensuring that doctors can continue to serve seniors. Promote Primary Care: Medicare reforms will increase beneficiaries access to primary care doctors and medical homes. Cut The Bureaucracy for You and Your Doctor: Health reform will simplify paperwork; computerize medical records with strong privacy protections; and make sure forms are easy to read so seniors can work with their doctors to take charge of their health choices. Control Chronic Disease: Over 90 percent of Medicare costs are spent on treating chronic conditions. Through Medicare pilots, health reform will encourage innovations in caring for chronic disease that will help seniors stay healthier, longer. Promote Better Care After a Hospital Discharge: By linking payments between hospitals and other care facilities, reform will promote coordinated care after discharge from the hospital and also encourage investments in hospital discharge planning and transitional care to ensure that avoidable readmissions are prevented. Strong Medical Safety: One in seven hospitalized Medicare patients experience a complication. Health reform will invest in programs to reduce medical errors and improve quality of care. President Obama and Secretary Sebelius have already started this effort by focusing on reducing infections that occur in the health care setting.
9 How Health Insurance Reform Will Help Early Retirees Aged 55 to 64 Lower Costs for Early Retirees Over 70 percent of costs and deaths in the U.S. result from chronic diseases, many of which afflict early retirees, and many of which can be prevented or controlled. Health reform will ensure that all health plans cover basic preventive services and encourage innovations in health care to avoid disease and improve outcomes. Support Early Retiree Health Coverage: Health reform will provide financial assistance to employer health plans that cover early retirees, bringing down health costs and premiums by as much as $1,200 per family per year for some plans. Greater Choices for early Retirees Stabilize Coverage for Early Retirees: The proportion of large firms providing workers with some type of retiree coverage dropped from 66 percent in 1988 to 31 percent in By providing financial relief to businesses that provide health coverage to early retirees, health reform will make it easier for early retirees to obtain health care coverage. Insurance Security The Exchange: Less than half of people aged 55 to 64 work full-time. Health insurance reform will guarantee that you will always have choices of quality, affordable health insurance even if you retire early and lose access to employer-sponsored insurance. It will create a health insurance exchange so you can compare prices and health plans and decide which quality affordable option is right for you. More Affordable Choices and Competition: Employer-based retiree coverage rarely offers a choice of plans. Early retires seeking coverage in the exchange will have a choice of numerous private plans as well as a competitive public insurance option that will keep insurance companies honest. Quality, Affordable Health Care for Early Retirees Eliminate Discrimination for Pre-Existing Conditions and Health Status: Early retirees are more likely to have chronic conditions such as heart disease and diabetes which insurers can use to deny coverage. Health insurance reform will prevent any insurance company from denying coverage based on a person s medical history and it will end discrimination that charges you more if you re sick. Cut The Bureaucracy for You and Your Doctor: Health reform will simplify paperwork; computerize medical records with strong privacy protections; and make sure forms are easy to read so Americans can easily compare health plans and work with their doctors to take charge of their health choices. Promote High Quality Care: Health insurance reform will establish medically driven priorities and standards on quality, encourage quality reporting by hospitals, and provide incentive payments for high, quality performance. As a result, early retirees will have better health care.
10 How Health Insurance Reform Will Help Women Lower Costs for American Families One in five women over the age of 50 nationwide has not received a mammogram in the past two years. Maternity benefits are often not provided in health plans in the individual insurance market. By ensuring coverage of prevention and basic health services, including maternity benefits, reform will create a system that provides health care and not just sick care. Insurance Industry Reforms that Save You Money: Puts a cap on what insurance companies can force you to pay in out of pocket expenses, co-pays and deductibles. Over half of women report delaying needed care because of cost and one-third of women were forced to make a difficult tradeoff such as giving up basic necessities in order to get health care. Greater Choices for American Families One-Stop Shopping - Putting Families in Charge: Women are often the decision-makers when it comes to health care for their families. Health reform will create a health insurance exchange so you can easily compare prices, benefits and performance of health plans and decide which quality affordable option is right for you and your family. With a competitive public option, you will have increased choices and increased competition that holds private insurers accountable. It s your choice. Insurance Security: Less than half of women have the option of obtaining health insurance through a job. By creating a health insurance exchange, health reform will guarantee that you will always have choices of quality, affordable health insurance if you lose your job, switch jobs, move or get sick. Strengthening the Employer System of Health Care: Sixty million women currently have health insurance through an employer. Health reform will build upon the strong foundation of employer-based health insurance: if you like what you have, you can keep it. Quality, Affordable Health Care for Women and American Families Ending Discrimination for Gender or Pre-Existing Conditions: Right now, a healthy 22 year old woman can be charged premiums 150% higher than a 22 year old man. Health reform will end discrimination that charges you more because of your gender and it prevents any insurance company from denying coverage based on a person s medical history. Quality Care for American Children: Health reform will require every insurance company to provide quality coverage for America s kids. By ensuring coverage for dental and eye care, American families will have increased peace of mind and our children will be healthier.
11 How Health Insurance Reform Will Help Young Adults Lower Costs for Young Adults Health insurance reform offers free prevention to all insured people and invests in public health to create a system that prevents illness and disease instead of just treating it when it s too late and costs more. Simple prevention can prevent a small health problem from getting worse. Insurance Industry Reforms that Save You Money: Puts a cap on what insurance companies can force you to pay in out of pocket expenses, co-pays and deductibles. It eliminates yearly and life-time limits on how much insurance companies cover if you get sick. Greater Choices to Meet the Needs of Young Adults: Insurance Policies for Young Adults: Health insurance reform will offer special young adult policies that will be offered by private insurance plans and a competitive public option. You will have increased choices and increased competition that holds private insurance companies accountable. One-Stop Shopping - Putting You in Charge: Health reform will create a health insurance exchange so you can simply and easily compare prices and health plans and decide which quality affordable option is right for you. It s your choice. Insurance Security as you Begin Your Career: The typical young adult frequently changes jobs, moves, or holds part-time or temporary jobs. Under reform, it doesn t matter - you will always have choices of quality, affordable health insurance. Quality, Affordable Health Care for All Young Adults Extend Health Coverage Through Parents: Health insurance reform will allow you to stay on your parents health care plans until you re 26. This will help to cover the one in three young adults who are uninsured. Health Care When You Need It Most: Young adults are just starting jobs and careers, and often don t have access to job-based coverage. Even when they do, they often don t have the money to spend on expensive health insurance. Health care reform will offer health insurance to those without job-based coverage and provide premium assistance to those who still can t afford it.
12 STABLE AND SECURE HEALTH CARE FOR AMERICA How Health Insurance Reform Will Help Children Quality, Affordable Health Care for All Children Dental, Vision and Hearing Coverage for all Children: Many health plans do not provide coverage for needed child services, and 12% of children have not had a doctor s visit in the past year. Health reform will not only require coverage for basic pediatric services, but also dental, vision, and hearing needs, which improves kids ability to learn and perform at school. More Pediatric Providers Where Kids Need Them: Approximately 22 million children lack access to a primary care provider because of shortages. Health reform will invest in school based clinics and will expand the health care workforce including pediatricians, pediatric nurse practitioners, and pediatric oral health professionals to ensure that children have access to doctors, nurses and high quality health care. Improve Quality of Care for Children: A recent study found that children receive recommended care less than half of the time. Health reform will develop children s quality priorities and promote children s quality measurement and reporting to improve the care that our nation s children receive. Lower Costs to Cover Children Preventive care is a key first step towards the development of a healthy and long life, yet 32% of kids are overweight or obese, putting them at risk for conditions such as diabetes and heart disease. Health reform will offer free prevention to all insured children, improve the provision of recommended immunizations, and invest in public health to create a system that prevents illness and disease instead of just treating them when it s too late. Expand Coverage to Improve Access to Care: Children who are uninsured have decreased access to well child care, immunizations, basic dental services, and prescription medication. Health reform will expand insurance to all children, enabling them to access needed care which is proven to improve their development and learning, laying the foundations for a healthy life. Lower Health Care Costs: Two thirds of middle class families who had access to employer based coverage for an uninsured child said their child remained uninsured because they could not afford the health plan. The Children s Health Insurance Program helps some but not all families that struggle to afford coverage. By limiting the amount of money that people with insurance will have to pay out of their own pockets, providing premium assistance, and streamlining our health care system, health care reform will reduce health care costs for families. Greater Choices to Meet the Needs of Children One Stop Shopping Putting Families in Charge: Health reform will create a health insurance exchange so that families who qualify can simply and easily compare prices and health plans and decide which quality affordable option is right for them and their children. More Affordable Choices: Many health care markets only have one or two insurance companies to choose from, forcing you to purchase a plan that doesn t fit your needs. With a competitive public option, you will have increased choices and increased competition that holds private insurers accountable. Insurance Security: Parents should be able to provide health coverage for their children regardless of their own job situation. Health reform will ensure that children have access to health coverage, regardless of whether their parents change jobs, leave a job, move, or get sick.
13 How Health Insurance Reform Will Help Minorities Lower Costs for Minority Families Racial and ethnic minorities are often less likely to receive preventive care. Vietnamese women, for example, are half as likely to receive a pap smear, and twice as likely to die from cervical cancer as are Whites. Obesity rates are also high among certain minority groups. By ensuring all Americans have access to preventive care and by investing in public health, health insurance reform will work to create a system that prevents illness and disease instead of just treating it when it s too late and costs more. Greater Choices More Affordable Choices and Competition: African Americans, Hispanics, and Asians are all more likely to need a referral in order to see a specialist and they are less likely to get coverage for seeing a doctor outside of the insurance network. Health insurance reform will create a health insurance exchange so you can compare prices and health plans and decide which quality affordable option is right for you and your family. It will include a competitive public option that increases choices and holds private insurers accountable. Quality, Affordable Health Care for Minorities Eliminate Discrimination in Obtaining Health Insurance: Health insurance reform will prevent any insurance company from denying coverage based on a person s medical history, including genetic discrimination which can disproportionately hurt minority populations. Make Health Care Accessible to Everyone: African Americans, Hispanics, and Native Americans are roughly twice as likely to be uninsured as the rest of the population. By providing health insurance choices to all Americans and providing premium assistance to make it affordable, health insurance reform will significantly reduce disparities in accessing high-quality health care. Control Chronic Disease: Nearly half of African Americans suffer from a chronic disease, compared with 40% of the general population. Chronic illness is growing in other minority communities as well. Health insurance reform includes a number of programs to prevent and control chronic disease, including incentives to provide medical homes and chronic disease management pilots in Medicare. Promote Primary Care: By providing health insurance choices through a health insurance exchange and investing in the primary care workforce (including scholarships and grants to increase diversity in health professions), health reform will make sure that all Americans have access to a primary care doctor so they stay healthier, longer. It will also strengthen the system of safety-net hospitals and community health centers to ensure high-quality, accessible care. Fight Health Disparities: Health reform legislation will require any health care program to report on race, ethnicity, gender, and socioeconomic status in order to better understand health disparities, and devote funding to addressing these issues.
14 How Health Insurance Reform Will Help People with Disabilities Greater Choices for Americans with Disabilities Eliminate Discrimination in Obtaining Health Insurance: Health insurance reform legislation will prevent any insurance company from denying coverage based on a person s underlying health status, including genetic information. Make Health Care Accessible to Everyone: By expanding health insurance to all Americans and providing premium assistance to make it affordable, health insurance reform will significantly increase access to a choice of health insurance plans for individuals with disabilities. This will enable individuals who are employed to keep their jobs rather than giving up employment in order to receive Medicaid benefits. More Affordable Choices Health insurance reform will create a health insurance exchange so you can compare prices and health plans and decide which quality affordable option is right for you and your family. In addition, some bills would provide a new voluntary insurance program that helps families deal with long term care costs if a loved one develops a disability. Expand the Medicaid Program: Health insurance reform will expand the Medicaid program to more Americans, including people with disabilities. This expansion will assist low income adults who have disabilities but do not meet the stringent requirements of the SSI program to receive Medicaid coverage. Lowering Costs by Rewarding Quality and Cutting Waste Provide Deep Discounts for Medications in the Medicare Donut Hole : For individuals with disabilities who are dually eligible for Medicare and Medicaid, prescription drug coverage through Medicare Part D leaves them at risk of hitting the doughnut hole, or the gap in prescription drug coverage. In an historic agreement, the drug industry has agreed to provide individuals with a discount of at least 50 percent for medication costs that fall in this coverage gap, saving thousands of dollars for some enrollees. Financial Relief for Low Income Medicare Beneficiaries: Health insurance reform will simplify the application process for financial support for low income Medicare beneficiaries. It will also increase premium subsidies and decrease certain copayments for Medicare s drug benefit. Assuring Accessible, Quality, Affordable Health Care for People with Disabilities People with disabilities are less likely to receive preventive care and are more likely to be diagnosed with screenable cancers at a later stage. By ensuring that all Americans have access to preventive care and investing in public health, health reform will work to create a system that prevents illness and disease instead of just treating it when it s too late. Improve Care for Chronic Disease: One in every 10 Americans experiences a major limitation in activity because of a chronic condition. Health insurance reform will encourage innovations in the treatment of these diseases to prevent disabilities from occurring and progressing. Promote High Quality Care: Health insurance reform legislation will establish medically driven priorities and standards on quality, require quality reporting by hospitals, and provide incentive payments for high quality performance. As a result, people with disabilities will have better information to support their health care choices.
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Health Insurance Marketplace Frequently Asked Questions Q & A SPECIFIC TO THE HEALTH INSURANCE MARKETPLACE & ASSISTANCE Q1: Why is health insurance important? A: No one plans to get sick or hurt, but at
HEALTHCARE.GOV Affordable Care Act Policy and Implementation Briefing Family Planning Council s Reproductive Health Conference April 27, 2012 Joanne Corte Grossi,, MIPP Regional Director U.S. Department
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
Affordable Care Act at 3: Strengthening Medicare ISSUE BRIEF Fifth in a series May 22, 2013 Kyle Brown Senior Health Policy Analyst 789 Sherman St. Suite 300 Denver, CO 80203 www.cclponline.org 303-573-5669
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Understanding Medicare Fundamentals A Healthcare Cost Planning Overview By Mark J. Snodgrass & Pamela K. Edinger JD July 7, 2012 Money Tree Software, Ltd. 2430 NW Professional Dr. Corvallis, OR 98330 2012
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Healthcare Reform The Affordable Care Act, Wyoming, and You What s Inside: A basic ACA overview 2 Wyoming healthcare statistics 4 How is the ACA going to affect you? 6 Warnings about penalties 12 Key dates
Understanding Health Insurance Health insurance can play an important role when it comes to medical bills and prescription medications it can help protect you from high expenses. There are many types of
Affordable Care Act: Key Provisions for People with MS October 2013 Why reform healthcare? By 2008, 15% of the U.S. population, or approximately 47 million Americans, lacked health insurance Documented
The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive
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A Comparison of Medicare Proposals: The Affordable Care Act and the Romney/ October 2012 Prepared by: Area Agency on Aging 1-B A Comparison of Medicare Proposals: Affordable Care Act and the Romney/ Background
PUBLISHER OF CONSUMER REPORTS The Affordable Care Act: The First Year DISCOVER WHAT THE NEW LAW MEANS FOR YOU AND YOUR FAMILY A Note About Using This Guide: What s a Grandfathered Plan? You ll see references
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Affordable Care Act Employee Education Packet Your Health Plan Options under the Affordable Care Act The Affordable Care Act (ACA) requires that most Americans be covered under a health plan by January
Basic Health Plan Offers a Chance to Provide Comprehensive Health Care Coverage for Low-Income Minnesotans The number of uninsured in Minnesota has been on the rise over the last decade, with one out of
The Affordable Care Act: How It Helps People With Cancer and Their Families The Affordable Care Act can save lives from cancer. Learn how the new law could help you and the people you love. We have some
Private Wealth Management Products & Services A Guide to Understanding Medicare Benefits Medicare is a social insurance program created under the Social Security Act of 1965 as signed by President Lyndon
Covered California FACT SHEET Affordable insurance is a national priority In 2010, the federal government enacted the Patient Protection and Affordable Care Act, which aims to increase the number of Americans
Friends of the Health Resources and Services Administration c/o American Public Health Association 800 I Street NW Washington DC, 20001 202-777-2513 Nicole Burda, Government Relations Deputy Director Testimony
What Advisors Need to Know about Health- Care Planning June 18, 2013 by Dinesh Sharma Advisor Perspectives welcomes guest contributions. The views presented here do not necessarily represent those of Advisor
CENTER FOR HEALTHCARE RESEARCH & TRANSFORMATION Policy Brief June 2010 The Patient Protection and Affordable Care Act at the State and Local Level While health care reform has its foundation and framework
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Understanding Group Health Insurance Anthem KeyCare 15+ Plan January 12, 2010 Although it is the intent of the University to continue current benefit plans, the University reserves the right to modify,
HEALTH CARE What does the Affordable Care Act mean to you? HEALTH CARE On March 23, 2010, President Obama signed the Affordable Care Act (ACA) into law. This marked the beginning of health care reform.
Paying for Health Care in Retirement One of the complications in retirement planning is the need to make predictions what will our future living expenses be, and what about inflation rates? A big mistake
Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide