Obamacare (Affordable Care Act)

Officially known as the Patient Protection and Affordable Care Act, Obamacare is the very controversial law that was signed by President Obama in 2010. Provisions of the act will start becoming active as of January 1, 2014.

Asked in Obamacare (Affordable Care Act)

Why are Muslims exempt from ObamaCare?

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It's not just Muslims that can claim exemption from the requirements of the Affordable Care Act. Any person or group may apply for a waiver or claim exemption from the penalty based on religious beliefs. This has already been settled by the courts and many waivers and extensions have already been approved. Exemptions should be filed at tax time. Based on latest public information as of Nov 2013, may change over implementation and rules development [please update paragraph as rules are released or hit federal register]. For the moment, The exemption should be requested in writing from the designated enforcement agency, the I.R.S. Your request may be enlcosed with your tax return or upon receipt of an ACA Tax compliance notice. Your exemption will be reviewed for acceptance by the I.R.S. [No known rules have yet been established for approval/acceptance guidelines.] Additionally, Non citizens, undocumented aliens within the borders of the U.S. are automatically exempt from the requirement to purchase coverage. This is actually spelled out within the text of the Affordable Care Act itself and is available for anyone to read. Answer I suspect that your question is grounded in an Urban Myth. Whether for ill, or for good, all citizens of the US are covered under its provisions. Answer Muslims (and any person following any other religion) are NOT exempt from the ACA's provisions. In addition, all legal residents of the USA must obtain coverage, not just citizens. Illegal residents are not covered by the law, and thus can't be penalized for failure to adhere to it, but neither can they take advantage of any of its provisions. Religious institutions (i.e. churches, NOT religious-sponsored businesses or organizations) are exempted from certain provisions of the coverage requirements (e.g. the Roman Catholic Church is exempt from providing free birth control to its priests and nuns), but are NOT exempted from any other requirements, which include providing full coverage to any non-clerical employee. [Side note: whether or not religion allows an employer to ignore certain portions of the ACA is currently in litigation, and will be decided by the Supreme Court in 2014. However, it is extremely unlikely that SCOTUS will rule in favor of these employers, as such a ruling would change decades of legal precedence and induce massive chaos into the employment market.]
Asked in Obamacare (Affordable Care Act)

Why do American citizens have to go to jail or prison if they do not buy obamacare healthcare insurance?

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The Affordable Care Act Penalty The poor and others who can't afford to buy a qualified Health Insurance Plan will "Not" be arrested or placed in jail. But you can rack up significant taxes and interest penalties. Under the Affordable Care Act. Failure to maintain the required minimum Health care coverage is a Misdemeanor offense against the Federal Code of Law. The penalty for the misdemeanor is assessment of a fine. The Internal Revenue Service is the designated collection agent and instructed in the Act to collect the fine in the same manner as it collects taxes. This is why the U.S. Supreme court declared the fine a tax. opining that the congress was not empowered to assess a fine for not engaging in commerce but that it could impose a tax for non participation in commerce. Effectively redefining the penalty as a Tax. The Affordable Care Act specifically precludes the IRS from seizing property or person for failure to pay the taxing fine. It does not however preclude the IRS from seizure of taxable revenue streams nor of credit refunds otherwise due to those who can't afford the required coverage. Although the Afordable Care Act itself declares a fine, the Supreme Court defines it a tax. Answer They don't. Under Obamacare, if an individual chooses not to purchase health insurance under the mandate, he/she will be required to pay a penalty tax. However, a section of the bill states that an individual will not be held liable for criminal prosecution if he/she refuses to pay the penalty.
Asked in Medical Billing and Coding, Obamacare (Affordable Care Act)

What does CPT service code 99214 mean?

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CPT Code 99214- Office or other outpatient visit for the evaluation and management of an established patient.
Asked in Obamacare (Affordable Care Act)

How did the ObamaCare health help people?

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The Affordable Care Act mandates expanded minimum coverage benefits for all Health Insurance Polices issued in America and mandates that all citizens buy a qualified Health Insurance Plan. For those citizens who can afford the new minimum coverage insurance plans, they will enjoy expanded coverage benefits including preexisting conditions and medicines and other procedures that were previously not typically covered. The cost though is reflected for most in higher insurance premiums and much higher deductibles. For the poor and low income who can not afford the required minimum coverage, they will have committed a federal misdemeanor and assessed a Tax penalty as punishment for failure to afford or acquire the coverage. The tax penalties collected from these violators are designated in the Act to be used to Enforce the Affordable Care Act on the citizenry. Answer It didn't.
Asked in Obamacare (Affordable Care Act)

Are republicans for or against obamacare?

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Republicans, Democrats and pretty much everyone else is for Affordable Health Care in America. Republicans at the moment though are against the Affordable Health Care Act, more popularly known as ObamaCare, as enacted into Law. Although everyone on all sides wants Affordable Health Care and Affordable Health Insurance, there are disagreements on how to achieve it. Answer Republicans said no to Obamacare before they knew what was in it. Obama had a really good plan because he knew that congress would hate Obamacare. He made the bill 2,000 pages long, and gave congress only two hours to read it, that way they wouldn't know what was in it. Most democrats trusted Obama and passed the evil bill. The Republicans did not trust Obama and they all said no.
Asked in Obamacare (Affordable Care Act)

Why is the 2010 affordable care act controversial?

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Currently the Main controversies are in regards to 1. The manner in which it was voted into law (Having only been provided a copy of the 2000 page bill 2 hours prior, No congressman had time to read it ) Every Democrat in congress who voted for the law has denied ever reading it prior to the vote. In fact they were told by the president that it was "Too important to read it". So no one read it. 2. The defacto criminalization of poverty, in that it declares a criminal offense (albeit a federal misdemeanor) if one can't afford or is just too poor to to buy health insurance. That person is now guilty of a misdemeanor criminal offense and fined through Taxation for being poor. 3. The eventual Cost. It is unclear what the eventual cost of expanded coverage under the new Health Insurance policies will be over time. Industry experts can give wide variations in projections of premum rates that range from 200 to 500 percent of pre ACA costs. Variation is unavoidable due to unkowns in the various influencing factors. 4. The exemption of undocumented residents. Although everyone is entitled to emergency health care, only citizens and legal residents will be penalized for not having the insurance to pay the bill. Answer The PPACA is unconstitutional. Beginning in 2014, the bill will require all Americans to purchase health insurance. This is the first time in history that the federal government has ever forced Americans to buy anything, simply on the grounds that they are citizens of this country. If the Act is upheld, the powers of the federal government might as well be limitless.
Asked in Obamacare (Affordable Care Act)

Who coined the phrase ObamaCare?

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During the Democratic primary elections of 2007 and 2008 then Senator Hillary Clinton and Senator Barack Obama both ruthlessly attached each others' political platforms. Clintoncare was coined during the Clinton administration so it was clear that Obamacare was the logical counter to Senator Obana's chances of winning the Democratic nomination. Conservatives adopted the term with highly negative connotations once Obama became the first black president of the United States. Hillary Clinton's campaign coined Obamacare.
Asked in Obamacare (Affordable Care Act)

Is congress exempt from ObamaCare?

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It's not that they are exempt-- they already have a health insurance plan, as do presidents, supreme court judges, and other government employees. They are covered by the "Federal Employees Health Benefits Program." What you are asking about is similar to this situation: if your employer already covers you at work, you won't need to change that under the new health law. Federal employees are already covered, so they don't need any new plan.
Asked in Obamacare (Affordable Care Act)

Will you lose your current health policy with ObamaCare?

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Yes, Under the Affordable Care Act, all Health Insurance policies issued within the united States must be replaced by 2014 with a policy that meets the new minimum coverage guidelines. Regardless of what anyone tells you, they must be replaced with a compliant policy. It's required in the language of the law. Answer With the current bill proposed theoretically no you will not lose your own private health care coverage. But the fear is that the national health care policy will be such a bargain you would have to be crazy to not take it, which would drive the private health insurance providers out of business and dramatically raise taxes to pay for the national health care policy called "Obamacare." Whether this would actually happen can only be speculated upon. Answer President Obama has said repeatedly that it is an OPTION. This means you choose. You opt for the plan that is best for you. How can having a choice be a bad thing? Answer Is this not what the free market, supply and demand in Capitalism are all about? If someone else can do it for less and it would therefore cost consumers less, the consumer should have the option to choose that plan. Answer Hundreds of thousands have been sent cancellation notices. Obamacare is higher than your own coverage in most cases. It is a disaster, and is becoming a joke, because it's so hard to implement. The left is even asking to extend the deadline one year, because many Democrat senators are up for re-election next year, and they realise just how unpopular this trainwreck of a bill is. Answer Like most complex subject, the answer is: it depends. The ACA does NOT require all existing coverage be canceled. It DOES require certain minimum standards of coverage be met, otherwise the plan cannot continue to be sold. If a plan meets the ACA-standards, any covered person could continue to purchase it as normal. Insurance companies have had five options when looking at plans that don't meet the ACA's standards: Send a cancellation notice, and inform the customer they will not be providing coverage under any plan. Send a cancellation notice, and inform the customer that they have a choice of several new plans from the company, listing the cost and benefits of each. If the customer does nothing by the cancellation date, coverage will be lost. Similar to #2, except the insurance company informs the customer that if they do not receive a reply, they will automatically be enrolled in a specific plan. Inform the customer that they are automatically enrolling them in a new plan that is ACA-compliant Upgrade the existing non-compliant plan to a compliant plan, without changing anything else. Based on current sampling, it appears that #2 and #3 are by far the most common situation. For people who had "catastrophic" coverage, #1 is by far the most common (followed by #2), as this kind of coverage isn't allowed under the ACA, and there is no obvious equivalent. #5 is rare, since most companies don't like the administrative overhead of changing a plan's effects - it's simpler to create a new plan, and migrate the customer over to it (i.e. #4 is how insurance companies operate, not #5) Note that the "customer" can also be employer-sponsored plans, so your choice of plans through an employer can change. Also note that insurance companies have always been able to discontinue coverage and/or change plans with few restrictions, so most people have never actually been able to "keep their plan" indefinitely, even under the old pre-ACA system. If one excludes the changes in employer-provided plans (which have always changed at the whim of the employer, not employee), roughly 10 million total cancellation notices were sent out, which cover all the above situations. Data is not fully available, but estimates are that roughly one third of all such cancellations will be under case #3 and #4, which will not result in a loss of coverage, even if the customer doesn't do anything. In addition, it is expected that roughly half of the cases in #1 will automatically qualify for Medicaid instead, so there will be no loss of coverage there either. The final results are likely to show that somewhere around 5 million households had to go out an obtain entirely new coverage, though how many of them failed to do so will not be known until mid-2014. Bottom line. It's a disaster, expensive, and care will be deficient at best. Now comes the news from the architect of the bill, Jonathan Gruber, that we were lied to about the bill intentionally. And, he called us too stupid to understand the complex bill. Any questions? Good. You were warned.
Asked in Obamacare (Affordable Care Act)

What states refuse to enforce Obama-care?

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As of July 1st, 2012, immediately after the US Supreme Court declared the Affordable Care Act (also known as ObamaCare) Constitutional, no state has refused to enforce it. Frankly, no state can refuse to enforce it, as it now is settled law, and MUST be followed. However, the ACA gives the states the ability to opt out of certain provisions and several choices in how to provide care in various areas. As of Jan 1st, 2014, all states have made preliminary decisions on how they will implement these provisions. In addition, the Supreme Court declared the section of ACA requiring the states to expand Medicare coverage for the poor to be unConstitutional. States now have a choice as to whether they will forgo certain federal benefits should they chose not to implement the Medicaid-expanding options. Primarily, this is a decisions as to whether or not a state will extend Medicaid to cover those with an income between 101% and 133% of the Federal Poverty Level. Currently, the following states do NOT extend Medicaid for this group of people: Alaska, Montana, Idaho, Wyoming, South Dakota, Nebraska, Kansas, Oklahoma, Texas, Louisiana, Alabama, Mississippi, Florida, Georgia, Tennessee, South Carolina, North Carolina, Maine, Virginia, Indiana, Wisconsin. Utah, Pennsylvania, New Hampshire, and Missouri are still studying whether or not to expand Medicaid, and will have to make a decision by March 1, 2014. As the law is considerably complex, please see a healthcare insurance agent in your state for the exact details of how your state implements the ACA.
Asked in Medical Insurance, Pacemakers, Obamacare (Affordable Care Act)

Can i get a pacemaker without health insurance?

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KEEP PRAYING FOR OBAMA PLAN... ha ha that what I have been told. You will have to come up with $60,000 for the pacemaker, $12,000 hospital stay $18,000 and the rest goes the surgeon.
Asked in Obamacare (Affordable Care Act)

Why are Catholics now outraged by Obama's contraception regulations when they supported ObamaCare the first time around?

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Most people did not know this was part of Obamacare. The bill is 2700 pages long and most members of Congress don't even know all the provisions. Also, note that the provisions in question come from the Dept of Health and Human Services regulation decisions, and aren't explicitly part of the law. This is normal, as departments are required to make regulatory decisions all the time, based on concepts (but not concrete definitions) that a law spells out. And a final note: the "outrage" comes almost exclusively from the Roman Catholic Church heirarchy and a couple of specific R.C. Orders, not the general Catholic public. Recent surveys show over 60% of all Catholics support the mandatory birth control coverage requirement, and almost 85% of Catholics don't consider birth control a sin (i.e. they don't follow the R.C. Church's teachings on B.C.)
Asked in Medical Insurance, Obamacare (Affordable Care Act)

Does your employer have to provide you health insurance?

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Employers only have to provide health insurance if they meet certain legal requirements. A business must have a certain number of full-time employees for it to be required to provide insurance for health coverage.
Asked in Obamacare (Affordable Care Act)

How many pages is ObamaCare?

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If it is over 6 pages (the size of the Constitution) it is too big... 2000 The number of pages depends on how the law is formatted. When it was a bill, it was over 2,000 pages long. Formatting led to it being 961 pages as a law. The law contains 2,163,744 words. According to Wolfram|Alpha, that is about a 24 pound book.
Asked in Obamacare (Affordable Care Act)

Why do you need obamacare?

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We don't need Obamacare. Obamacare is a bill that is over 2,000 pages long, but the main idea of it is that everyone is FORCED to buy health insurance. Of course, in those 2,000 pages, it doesn't just say that everyone must buy health insurance. It also indirectly said that the U.S. government is in control over all things health related. That's not a good thing because everything the government has control over fails. This is just one opinion. Just as you need car insurance to drive a car, you will need health insurance.
Asked in Obamacare (Affordable Care Act)

Under ObamaCare would you be forced to buy insurance whether you wanted it or not?

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The Senate's current plan mandates all to participate. A $3,800 tax can be added to the tax return of noncomplying families. President Obama still supports the public option. Please read the related link for the facts about President Obama's proposes health care plan. [see discussion page for further opinions on this question] As of 2014 and the current final form (still subject to minor litigation), the PPACA does require all legal residents of the USA (whether citizens or not) to obtain healthcare coverage. There are several different avenues for obtaining coverage, and many may not require the individual to pay for the coverage (e.g. government-sponsored plans for qualifying individuals, and employers who cover all costs of insurance). But, yes, the ultimate answer is YES, you now will be required to have coverage from some source, or face a fine of up to 2.5% of your gross income (starting in 2016). Where that coverage comes from, and the amount the individual ends up paying, depends entirely on the individual's specific circumstance.
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When will ObamaCare go into effect?

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Parts of it already have taken effect. Once the law passed in 2010 and was upheld by the courts, it began to be phased in. Each year, through 2014, more of it is being implemented. I enclose the link to the entire healthcare law, so you can learn more about how and when various aspects are being phased in.
Asked in Obamacare (Affordable Care Act)

How many senators have read ObamaCare?

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According to studies and polls which have been conducted, NO senators fully read the bill.... Which is no different than any large bill passed by Congress. Congress members work on specific sections, and rely on other members (and their leadership) to explain the other provisions they didn't work on. The hitch here is that it appears that the leadership was never able to provide a full summary of the PPACA to members, so members voted on it based on a bit more faith and trust than normal. But it's hardly uncommon for this to happen.
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Do doctors want Obamacare?

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Actually many of them do. Given how many thousands of doctors there are, it is difficult to say they all do, but polls show that a majority of doctors do support the Affordable Care Act. 55% of doctors polled believe it will have an unfavorable effect on their practices, and only 29% say they will participate for sure. Only 11% say they have faith in Obamacare.
Asked in Obamacare (Affordable Care Act)

What is the affordable care act?

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An act that provides diet counseling for those who are at higher risk for chronic disease and type 2 diabetes.