This post will have pretty much everything you need to understand what the Affordable Care Act can do for you, and in many cases is already doing for you. The focus here will be in debunking myths and lies, consolidating truth and information, and will be geared toward individuals and families, but will include info on what to do if you are a business/owner and want to/already are compliant with ACA law.
Many of you are confused about what the dealyo is with Obamacare. And I don’t blame you. certain entities have spent a lot of time and effort and your tax money to do just that. Please don’t let someone else decide things for you. This post is to help you along the way so you get all the FACTS and then can make an informed decision Your Self.
For you net-savvy ones all you need is THIS LINK. It will take you to Health Care dot gov and you can click your way into getting you and your family and your employees affordable healthcare.
In fact, that is the place where EVERYONE should start. So go ahead, click that link, bookmark it, save it, tattoo it on ya, DO IT. Like all my links, you’ll still stay right here on this blog, as the link opens up in a separate place. I’ll wait…
Also, to make the most of this post, you should do the same with ALL the links provided. Or at least the ones that pertain to your area of interest. Oh, and pass that info along to everyone you know.
My original Obamacare Post. In case you need the info provided there too.
[UPDATE]: Check back Right Here for more links to pass around:
Just The Facts: What Obamacare Will Do For You. Via electablog.
Obamacare By Zipcode. See what’s available in your area & how to get in on it.
Fifty Obamacare Facts. Can use these to combat the disinformation being spread around.
RiteAid Pharmacies Are On Board. See what savings on prescriptions are happening. (Also, Walgreens, CVS, WebMD on board too)
Some Info You Need To Know:
1. Everything kicks off on October 1st, 2013. The front page of that site will tell you just that and give you big fat buttons to click to get more information, so you can be ready. Oh Look! There is even a Live Chat link. You can give that a go too and get your info that way.
2. This post is bi-partisan. For those politically inclined, understand that this info is for American Citizens of any and ALL ilk, and as stated before: Focused on giving as much information as possible so you can make your own informed decisions.
3. I will say this though. Please try not to be like These Folks.
What exactly is kicking off October 1st?
You get to sign up for the healthcare insurance exchanges. What are those, and what does it mean? Nutshell: when you sign up (at healthcare dot gov & other places I’ll name) on Oct 1st, insurance companies will compete, giving YOU the pick of the litter.
True Short Story:
My usual state of being has been to have no healthcare coverage. Sometimes I luck out and my job offers it, but mostly, like millions of other Americans, I either “pay as I go/as needed” or play the Russian Roulette of searching for an individual plan that I can afford. Both options are very expensive. Yes, I was one of those who used the emergency room, free clinics and/or paying full price in cash at the door to local doctor’s offices as my healthcare. Ick.
I somehow got on a list and had these insurance “brokers” calling me all the time, with these offers of amazing health plans for individuals. I’d cut through the BS and simply ask how much this amazing coverage would cost. $85-$100/month was the low average for bare bones coverage, $125-$175/month the median average for slightly more benefits, but still skeletal, $220-$500 and upwards for full coverage, and yet still so much less benefits wise than what is available already now under the new ACA laws.
Which brings me back to some helpful information and links on what you are going to get now that Things Have Already Changed for the Better. Instead of paying through the nose every month, and still having to do a co-pay per doctor visit, having only part of healthcare services rendered covered etc this is what is happening NOW:
Quick List of the Obamacare Awesomeness (Start HERE For Detailed List/Info/Links):
- Creates the Health Insurance Marketplace, a new way for individuals, families, and small businesses to get health coverage
- Requires insurance companies to cover people with pre-existing health conditions
- Helps you understand the coverage you’re getting
- Holds insurance companies accountable for rate increases
- Makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick
- Protects your choice of doctors
- Covers young adults under 26
- Provides free preventive care
- Ends lifetime and yearly dollar limits on coverage of essential health benefits
- Guarantees your right to appeal
You can also go into any Walgreens and get information on Obamacare, and I believe sign up for the marketplace exchanges beginning October 1st there as well. For those not comfortable with the web, or who don’t have access. You can also get information and I think sign up by phone too:
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
Basically. DO IT! Help your family members, friends, loved ones, co-workers – Everyone in your life, ok? They may have healthcare coverage they are happy with, but they might not. Passing along this information hurts no one.
How Obamacare saved Imani Gandy. This law is already in effect and saving many like her, and can and will save you too.
Oh and those exorbitant premiums I listed? Those are falling daily. In some states by 50%. Again, get the information, know the truth, understand what you will get, and how much (or little) it will cost you, then make your decision.
Obamacare provision saved consumers $1.2 Billion. All since 2011 when those provisions took effect. Read it and get informed.
Thanks to Obamacare, major insurers have to give back $36 million to California small businesses. Great read. It goes on to talk about rebates for families and individuals. Good info.
Obamacare: Spreading The Good News. More facts, more info.
The following is a link that discusses some of the main prevailing myths about Obamacare:
The myths are listed, and then the REAL deal ie the FACTS are then discussed. It is a dense article, but I post the link for any that are interested. Again, I’m here to inform and give you as much information as you can stand, so you can make your informed decision.
Start at Healthcare dot gov. Use the live chat feature to ask questions, get info. Peruse the links for same. Use this phone number (1-800-318-2596) or ask at Walgreens if the net is not for you. Do whatever it takes to get as informed as you possibly can.
Sign up on October 1st.
You don’t have to decide right then and there. After getting signed up you have 6 Months to pick the coverage that is right for you and your family. Coverage officially kicks in January 2014.