1. Did this employer violate COBRA? Explain After reading the Just The Facts excerpt and the case of McDowell V. Krawchison, I would have to say that I believe this employer violated COBRA. It is stated in the textbook that, “The COBRA requires that employers who have group health insurance plans and at least twenty employees offer continuation coverage to employees (and other beneficiaries if there is family coverage) who experience qualifying events that would otherwise cause the loss of their health insurance.” (Walsh, Pg. 486). Soon after McDowell was hired, he was terminated without any warning and was told it would become effective within two days. During this time, McDowells’ wife was battling breast cancer, so as you would imagine, his main concern was if …show more content…
With Obamacare, McDowell will have the option of choosing a different health insurance, and with choosing a new health insurance comes the adjustment of finding new physicians and learning the ins and outs of the coverage. With COBRA, the individual is required to pay their premium in order to continue their active coverage, and these premiums can be rather high. However, with the Affordable Care Act, the individual can be offered different opportunities to lower the cost of these premiums to make it more of a reality. This is stated in an online article titled, “COBRA v. Obamacare- Which One is Better?”, which reads, “If you forgo COBRA and buy your health insurance from your health insurance exchange instead, you may be eligible for a subsidy to help lower your monthly premiums. In addition, you may be eligible for a subsidy to lower your out-of-pocket maximum or to decrease your deductible, copayments, and coinsurance. These subsidies are only available for health insurance purchased through an Affordable Care Act health insurance exchange.” (AboutHealth,
The 2010 government Affordable Care Act (ACA) set up a progression of early market reforms 50-state necessities
Medicaid is a federal grant given to states, disbursed to counties to provider insurance coverage for select populations. These populations include low-income families with minor children, pregnant women, coverage for nursing homes and as a secondary coverage to Medicare. Santa Clara County has a very high population of patients who receive Medi-Cal, California’s version of Medicaid. Individuals would either go to the Santa Clara County Social Services Agency or to a Financial Counselor’s office at SCVHHS to apply for coverage, which requires producing the required documentation.
The implementation of the Affordable Care Act (ACA) will only hasten changes that were on the horizon for pharmaceutical and biotechnology firms. Pharmaceutical and biotechnology industries new there was going to be some type of healthcare reform so they began to take the necessary precautions to prepare. There are vital provisions in the ACA related to the pharmaceutical and biotechnology industry affecting Medicare and Medicaid. Legislation in the ACA will provide provision to reduce cost for brand name prescriptions (Rx); this will reduce drug cost for patients, but increase rebates and discounts for pharmaceutical and biotechnology firms, therefore, imposing cost to the firms. The pharmaceutical and biotech industry was instrumental
The Affordable Care Act includes a requirement that all citizens must have some level of health coverage. The primary method through which the mandate is attempting to create 100% coverage in health care is by instilling fear into the minds of hardworking citizens as those who ignore the rule will have to pay a hefty fine. This mandate, unconstitutional according to the law, will deteriorate the quality of health care, hamper economic growth and cause spikes in insurance premiums. The hope of universal health care may or may not arise under the mandate but new dilemmas and hardships on U.S. citizens will undoubtedly surface.
The Affordable Care Act (ACA) was signed into law by President Barack Obama on March 23, 2010, and on June 28, 2012 the Supreme Court decided to uphold the law.¹ Some of the most notable features that the ACA will provide for individuals are access to healthcare for everyone, new consumer protections such as pre-existing condition coverage, free preventative care, protection against healthcare fraud, small business tax credits, as well as many other features.¹
At last, the law gave new alternatives and motivating forces to help states rebalance their Medicaid long haul mind programs for group based administrations and backings as opposed to institutional care. All in all, these arrangements have quickened Medicaid advancement effectively in progress in numerous states. Also improved with the ACA besides Medicaid, is Medicare. The Affordable Care Act incorporates a progression of Medicare changes that will create billions of dollars in reserve funds for Medicare and fortify the care Medicare recipients get. The new law secures ensured benefits for all Medicare recipients, and gives new advantages and administrations to seniors on Medicare that will help keep seniors solid. The law likewise incorporates arrangements that will enhance the nature of care, create and advance new models of care conveyance, suitably value administrations, modernize our wellbeing framework, and battle waste, extortion, and mishandle. A big topic that is affected from ACA is businesses. The Patient Protection and Affordable Care Act -- otherwise known as Obamacare -- is putting such a small dent in the profits of U.S. companies that many refer to its impact as 'not material' or 'not significant. Even after a provision went into effect this year requiring companies with 50 or more full-time workers to provide coverage, and after more workers are choosing to enroll in existing company coverage because of another requirement that all Americans get
The first feature is that the website provides detailed information regarding the Consolidated Omnibus Budget Reconciliation Act (COBRA). Rebecca, T. (n.d) states that COBRA was, “…established by the American Recovery and Reinvestment Act, to help workers who lose their jobs maintain their employer-sponsored health insurance.” This section of the website is broken down into sections for employees, employers, posters and flyers, videos, and general information
This essay will be reviewing two articles talking about the Affordable Care Act. One article was written and posted on The American Prospect(Citation) and the other was written and posted on The American Spectator(Citation). This essay will explore the differing viewpoints and opinions of the these online publications and how they affect the articles they post.
The Patient Protection and Affordable Care Act (PPACA), also referred to as the "Affordable Care Act" or "ACA" or "Obama Care") is the major health care reform bill passed into law on March 23, 2010. The debates surrounding the PPACA have been volatile at times, and continue to be the most intense public examinations of any piece of legislation in our recent history. The affordable Care Act (Obamacare) is ripe for repeal. For the American public, there are ample reasons for dissatisfaction: higher costs; arbitrary and sometimes absurd rule-making; bureaucratization of an already overly bureaucratized sector of the economy; incompatibility with personal freedom and religious liberty; enormous spending and heavy taxation; and widely acknowledged design flaws, evident in the ACA’s hopelessly complex and unworkable subsidy schemes, boondoggle bailouts, and collapsing co-ops. Nonetheless, other ACA legal challenges were still facing the healthcare law. In December 2015, the Association of American Physicians and Surgeons (AAPS) submitted an amicus brief to the Supreme Court arguing against the constitutionality of the employer insurance mandate within the Affordable Care Act. The law contains a number of experiments designed to drive down health costs, such as Accountable Care Organizations. The whole idea is to move the system away from paying for volume and toward paying for value. We still don't know whether that will happen. But it's fair to say that reducing the cost of health care will make it easier to expand coverage. The nation’s gains in health care coverage and delivery system design over the last several years have made measurable differences in the lives of millions of Americans. There are many ways to achieve a high-performing health system. But it’s critical that the nation remain committed to this goal.
The Affordable Care Act (Patient Protection and Affordable Care Act), commonly called "Obamacare," is a federal statute that was signed into law in March of 2010 (PDF, n.d.; Van de Water, 2011). It basically requires the vast majority of people in the United States who do not have insurance coverage to acquire that coverage or face penalties. People who already have insurance through their employers or on their own will not be asked to change companies. Additionally, anyone who is on federally-funded insurance such as Medicaid or Medicare and still qualifies for those programs will not be removed from their insurance. They will still be covered and protected. In order to find out more about the Act and really understand its main points and principles, however, it is very important to be aware of how it became a law and any changes that have taken place to it from its inception all the way through where it is today. Only then can a person have a clear understanding of the Act and form an opinion as to the value it may (or may not) provide to the American public. There is still much speculation and a great deal of misunderstanding about the Act and what it involves.
Before Obama proposed the Affordable Care Act, he stated, "No matter how we reform health care, we will keep this promise: If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what. My view is that health care reform should be guided by a simple principle: fix what’s broken and build on what works.” (Barack H. Obama Address to the annual meeting of the American Medical Association, June 15, 2009). Now that the act has been passed, however, this is not the case. If you had a non-grandfathered plan (enrolled after March 23, 2010) that met the requirements of the Affordable Care Act, you were able to keep it. You were also able to keep your plan if it was grandfathered in (enrolled on or
The Affordable Care Act, in its time, has helped many uninsured Americans to obtain health insurance by giving them guaranteed coverage. About 20 million Americans, based on the statistics from the New York Times’s article titled “Fact Check: Trump’s Critiques of the Affordable Care Act.”, have obtained health insurance through the ACA. Dropping the uninsured rate to 11 percent by 2013 (Qiu 2017). Americans, through the ACA, were able to get health insurance even if they got sick, which inevitably happens to many. This put insurers in a place where they cannot deny coverage to people who have preexisting conditions, or their health history. Other main points that are included in Former President Obama’s Affordable Care Act is that one, it was given as an individual mandate that all U.S. Citizens and legal residents must enroll for qualifying health care or get penalized for not signing up for insurance at all. Making the fact that getting health care is mandatory is a good way to lower the insured rates and save many Americans money when the next unexpected hospital visits or illnesses come up. Another thing is that the ACA has also expanded medicaid to all non-Medicaid eligible individuals that are under the age 65 and making medicaid more federal funded based rather than a state issue. Thus helping those who could not afford
The Patient Protection and Affordable Care Act (PPACA), commonly referred to as “Obamacare,” completely changed the American healthcare system. The purpose of the bill was to lower the cost of healthcare, improve health outcomes, and lower the national uninsured rate. To lower the cost of healthcare, the bill provides federal subsidies for government-sponsored healthcare plans to any person or family whose income is between one and four times the federal poverty level and is not covered by their employer, Medicaid, or Medicare (Neporent). In addition, the bill allows children to stay on their parents’ insurance plans until they are 26. Previously, children could only be on their parents’ plans until age 19 ("Is the Affordable Care Act Working?").
Obamacare expands Medicaid and created a Health Insurance Marketplace, a universal way to sign up for subsidized health care plans. It makes it easier for low income families to receive benefits from Medicaid and other unsubsidized loans. Over half of uninsured Americans can get free or low cost health insurance, and some can get help on out-of-pocket costs using their state’s Health Insurance Marketplace. Through the Marketplace, though, you can only get certain plans from certain providers, as many of them are unwilling to provide subsidized loans. Protections from Obamacare also ensure that you can’t be dropped from … or denied coverage or treatment for
Basic changes in the way Americans will get health coverage and what it will cost starting in 2014, when major parts of the Affordable Care Act, also known as “Obamacare”, go into effect.