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Trump Scaling Back the ACA could mean gutting of Obamacare

January 26, 2017 by drjaffer

It’s hard to determine exactly what Trump’s executive order waiving enforcement of large swaths of the Affordable Care Act means for Americans. Since Trump signed an executive order to minimize the “financial burdens” of Obamacare, there has been relatively little headway into what exactly happens next. It’s not possible to simply dismantle the ACA through an executive order due to the number of laws and regulations wrapped up in it. Essentially, more actions will need to be taken before significant change takes place.

However, that doesn’t mean Obamacare is safe. The ACA is under attack by Republicans in congress, who are currently attempting to draft a replacement plan, though the new President has repeatedly insisted they move faster and put something in place sooner rather than later. In the meantime, it’s unclear what, exactly, a Republican plan would look like, despite several proposals being currently considered.

The main danger Trump’s executive action signals is  to the provisions penalizing individuals for lack of care. Without this penalty in place, experts seem to believe that insurance companies will simply pull out of many markets, leaving large “dead zones” without coverage.

However, there has already been some pushback against a quick repeal or replacement, even from some Republicans. Many Americans rely on the healthcare offered by the ACA, and would be left without coverage if Obamacare gets repealed or replaced by a substandard system. GOP governors, in particular, are part of a growing voice urging congress to reconsider a full repeal of the ACA, especially the expanded Medicaid provisions that have proven very popular and successful with their constituents.

In the end, we have yet to see a comprehensive Republican-approved plan fully materialize. While Trump’s executive actions could signal the beginning of the end for the Affordable Care Act, we will have to wait and see what is offered up in its place – if anything.

Filed Under: Featured, Getting Better Care, News Tagged With: aca, affordable care act, GOP, healthcare, medicaid, News, obamacare, repeal, trump

What would an Obamacare repeal mean for your preventive care?

January 17, 2017 by drjaffer

An Obamacare repeal could cost millions their health insurance
The landmark healthcare act is now in jeopardy, as is millions of Americans’ coverage

A lot of people are scared about what the Republican party’s planned Obamacare repeal means for them – and for good reason. The nonpartisan Congressional Budget Office reports that up to 18 million people could lose their coverage within a year if the Affordable Care Act is repealed. On top of that, the report concludes that up to 32 million Americans could eventually lose their coverage, and that in the meantime people’s insurance rates would likely climb as the government would cut subsidies that currently help people pay their premiums.

An increase in rates by 20 to 30 percent, as the report indicates, would be hard enough for many people, even without the threat of losing their insurance entirely. So it’s important to understand what this means for you, and how it relates to preventive care and health screening.

The Affordable Care Act (ACA) mandates that certain preventive tests and tools be offered as part of health plans offered under the health insurance marketplace. It is unfortunately possible, especially if safeguards for pre-existing conditions are eliminated under the ACA repeal, that many of these tests and procedures will not longer be automatically covered under any government-approved plan.

In addition, it is possible under a repeal that there may be certain “dead zones” in certain geographical areas where no insurance plans are offered to individuals at all through the marketplace. As NPR reports, “without the federal mandate requiring people to buy insurance, some insurance companies would stop offering plans, and in the first year ‘roughly 10 percent of the population would be living in an area that had no insurer participating’ in the market…”.

For now, it’s anyone’s guess as to how quickly the GOP moves to repeal the ACA, and what they might leave in its place. In the meantime, if there are any screening tests that you are past due to get, it is probably in your best interest to speak to your doctor right away about whether or not you should schedule them. Be sure to discuss your current healthcare plan and any known conditions – your best bet is to work with your doctor to have a smart plan for the future.

Even if you are part of a corporate or group plan, it’s worth discussing with your doctor and looking into how your premiums and coverage might change. In the meantime, be sure to pay attention to the debate over pre-existing conditions, and whether or not the ACA will be repealed before a replacement healthcare system is put into place.

We’ll keep you updated when we know more.

Filed Under: Featured, Getting Better Care, Uncategorized Tagged With: aca, affordable care act, donald trump, GOP, obamacare repeal, repeal, republican party

What Preventive Health Screening is Free under your Plan?

August 7, 2016 by drjaffer

Did you know that the Affordable Care Act, better known as Obamacare, has required insurers and healthcare plans to cover a wide variety of preventive health screening tests? And most of the time, these procedures are now free for you!

Catching diseases early, before they become deadly (or better yet, preventing them entirely) is often the safest and most cost-effective way to fight sickness and stay healthy in life. That’s why all plans that are compliant with the Affordable Care Act (so basically any plans that started after 2010 in addition to Medicaid and Medicare) are required to include free screening options for their customers.

So what does that mean for you?

The short answer is: most commonly prescribed screening tests are available for free to you, with anything else likely subject to the cost-sharing part of your insurance policy. For a longer answer, you’ll want to browse through the list below of specific tests that are covered for all ACA-compliant plans, taken directly from the healthcare.gov website:

For All Adults:

  • Alcohol misuse screening and counseling
  • Aspirin use to prevent cardiovascular disease for men and women of certain ages
  • Blood pressure screening
  • Cholesterol screening
  • Colorectal cancer screening for adults over 50
  • Depression screening
  • Diabetes (Type 2) screening for adults with high blood pressure
  • Diet counseling for adults at higher risk for chronic disease
  • Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
  • Hepatitis C screening for adults at increased risk, and one time for everyone born 1945 – 1965
  • HIV screening for everyone ages 15 to 65, and other ages at increased risk
  • Immunization vaccines for adults — doses, recommended ages, and recommended populations vary:
  • Diphtheria
  • Hepatitis A
  • Hepatitis B
  • Herpes Zoster
  • Human Papillomavirus (HPV)
  • Influenza (flu shot)
  • Measles
  • Meningococcal
  • Mumps
  • Pertussis
  • Pneumococcal
  • Rubella
  • Tetanus
  • Varicella (Chickenpox)
  • Lung cancer screening for adults 55 – 80 at high risk for lung cancer
  • Obesity screening and counseling
  • Sexually transmitted infection (STI) prevention counseling for adults at higher risk
  • Syphilis screening for adults at higher risk
  • Tobacco Use screening for all adults and cessation interventions for tobacco users

For pregnant women or women who may become pregnant:

  • Routine Anemia Screening
  • Breastfeeding support and counseling and access to breastfeeding supplies
  • Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
  • Folic acid supplements for women who may become pregnant
  • Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes
  • Gonorrhea screening for women at higher risk
  • Hepatitis B screening for pregnant women at their first prenatal visit
  • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
  • Syphilis screening
  • Expanded tobacco intervention and counseling for pregnant tobacco users
  • Urinary tract or other infection screening

For All Women:

  • Breast cancer genetic test counseling (BRCA) for women at higher risk
  • Breast cancer mammography screenings every 1 to 2 years for women over 40
  • Breast cancer chemoprevention counseling for women at higher risk
  • Cervical cancer screening for sexually active women
  • Chlamydia infection screening for younger women and women at higher risk
  • Domestic and interpersonal violence screening and counseling
  • Gonorrhea screening for all women at higher risk
  • HIV screening and counseling for sexually active women
  • Human Papillomavirus (HPV) DNA test every 3 years for women with normal cytology results who are 30 or older
  • Osteoporosis screening for women over age 60 depending on risk factors
  • Rh incompatibility screening follow-up testing for women at higher risk
  • Sexually transmitted infections counseling for sexually active women
  • Syphilis screening for women at increased risk
  • Tobacco use screening and interventions
  • Well-woman visits to get recommended services for women under 65

For Children:

  • Alcohol and drug use assessments for adolescents
  • Autism screening for children at 18 and 24 months
  • Behavioral assessments for children ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Blood pressure screening for children ages: 0 to 11 months, 1 to 4 years , 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Cervical dysplasia screening for sexually active females
  • Depression screening for adolescents
  • Developmental screening for children under age 3
  • Dyslipidemia screening for children at higher risk of lipid disorders ages: 1 to 4 years, 5 to 10 years,11 to 14 years, 15 to 17 years
  • Fluoride chemoprevention supplements for children without fluoride in their water source
  • Gonorrhea preventive medication for the eyes of all newborns
  • Hearing screening for all newborns
  • Height, weight and body mass index (BMI) measurements for children ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Hematocrit or hemoglobin screening for all children
  • Hemoglobinopathies or sickle cell screening for newborns
  • Hepatitis B screening for adolescents at high risk, including adolescents from countries with 2% or more Hepatitis B prevalence, and U.S.-born adolescents not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence: 11 – 17 years.
  • HIV screening for adolescents at higher risk
  • Hypothyroidism screening for newborns
  • Immunization vaccines for children from birth to age 18 — doses, recommended ages, and recommended populations vary:
    • Diphtheria, Tetanus, Pertussis (Whooping Cough)
    • Haemophilus influenzae type b
    • Hepatitis A
    • Hepatitis B
    • Human Papillomavirus (PVU)
    • Inactivated Poliovirus
    • Influenza (flu shot)
    • Measles
    • Meningococcal
    • Pneumococcal
    • Rotavirus
    • Varicella (Chickenpox)
  • Iron supplements for children ages 6 to 12 months at risk for anemia
  • Lead screening for children at risk of exposure
  • Medical history for all children throughout development ages: 0 to 11 months, 1 to 4 years , 5 to 10 years , 11 to 14 years , 15 to 17 years
  • Obesity screening and counseling
  • Oral health risk assessment for young children ages: 0 to 11 months, 1 to 4 years, 5 to 10 years
  • Phenylketonuria (PKU) screening for newborns
  • Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk
  • Tuberculin testing for children at higher risk of tuberculosis ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Vision screening for all children

For more detailed information on these covered tests, check out the Healthcare.gov website!

Filed Under: Featured, Prevention 101 Tagged With: aca, affordable care act, free preventive medicine, free tests for insurance, medicaid, medicare, obama, obamacare, screening covered under insurance

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About Dr. Jaffer

Salim A. Jaffer, MD, MS, practices clinical gastroenterology in Lansing, Michigan. He received his Doctor of Medicine degree from the University of Toledo in Ohio.

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Recent Posts

  • Trump Scaling Back the ACA could mean gutting of Obamacare
  • What would an Obamacare repeal mean for your preventive care?
  • What Preventive Health Screening is Free under your Plan?
  • California’s Gun Violence Research Funding – How States can get around the Federal Funding Freeze
  • The Controversy over Mammograms

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