
ObamaCare Survival Guide
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Content
- Intro
- Table of Contents
- Preface
- PART I | OBAMACARE: THE ESSENTIALS
- 1. Welcome to ObamaCare
- ObamaCare's rough rollout
- ObamaCare's Durability
- Deciphering ObamaCare
- ObamaCare Attempts to Fix Big Problems
- 2. ObamaCare: What It Means for You
- The Insured
- The Uninsured
- Senior Citizens
- Taxpayers
- The Affluent
- Working Families
- The Poor
- The Unemployed
- Children Under Age 18
- Young Adults Age 18 to 29
- Illegal Aliens
- Groups Singled Out by ObamaCare
- Large Businesses
- Those Who Work for a Large Business
- Small Businesses
- Those Who Work for a Small Business
- Unions
- Doctors
- Patients
- Healthcare Professionals
- Nursing Homes
- Insurance Companies
- Drug Companies
- 3. ObamaCare: A Multiyear Timetable
- Implementation Dates
- March 2010
- July 2010
- September 2010
- January 2011
- October 2012
- January 2013
- January 2014
- January 2015
- January 2016
- January 2017
- October 2017
- January 2018
- 4. Health Insurance: Radical Changes Ahead
- Today Most (But Not All) Americans Get Help Buying Health Insurance
- Helping Those Who Need the Most Help
- ObamaCare's Impact on Different Groups
- Medicare Recipients
- Individuals with Employer-Based Insurance
- Individuals with Private Health Insurance
- The Uninsured
- Medicaid/CHIP
- The ObamaCare Scorecard: Winners and Losers
- PART II | INSURING THE UNINSURED
- 5. The Individual Mandate
- Impact of Supreme Court Ruling on Medicaid Expansion
- Is the Individual Mandate Really Necessary?
- Strengthen the Nation's Health Insurance "Risk Pool
- Pre-Existing Condition Rejections
- Offset Increased Costs from Other ObamaCare Rules
- Defer to a Political Necessity
- First the Stick, Then Some Carrots
- Who Will Be Able to Get Government Financial Assistance?
- Supreme Court Ruling on the Individual Mandate
- Penalties for Not Obtaining Health Insurance
- Who Will Be Hurt Most by the Individual Mandate?
- How Will I Prove That I Have Health Insurance?
- 6. The Expansion of Medicaid
- The Current Medicaid Landscape: An Uneven Playing Field
- ObamaCare Levels the Playing Field
- Medicaid Expansion Will Affect Each State Differently
- Who Pays for Medicaid's Expansion?
- Remember the "Cornhusker Kickback"?
- Strengthening Medicaid for theObamaCare Expansion
- 7. Health Insurance Exchanges
- What Is a Health Insurance Exchange?
- Will Exchanges Improve the Healthcare System?
- What About a Single National Exchange?
- Massachusetts' Health Connector
- ObamaCare's Template-The Massachusetts Example
- Are Exchanges Really Necessary?
- Eligibility to Use the Exchanges
- Four Standardized Plans: Bronze, Silver, Gold, and Platinum
- A "Catastrophic" Insurance Plan for Those Under Age 30
- An Optional "Basic Health Plan" for Each State
- Standards for Insurance Sellers
- A Range of Exchange Subsidies
- Lower Premiums
- Lower Out-of-Pocket Limits
- Increased "Actuarial Value" of Plans
- What About Abortion and Contraception Coverage?
- What Happened to the "Public Option"?
- 8. Incentives for Small Businesses
- SHOP Health Insurance Exchanges
- Tax Credits to Use SHOP Exchanges
- Small Businesses Exempt From Penalties
- Some Workers Will Lose Their Employer-Based Plans
- What Does All This Mean for You?
- The 1099 Reporting Requirement Repealed
- Employee Vouchers to Buy Through an Exchange
- Large Businesses Must Use Automatic Enrollment
- PART III | COSTS WILL BEND UP, NOT DOWN
- 9. More Benefits, Higher Costs
- Controlling Costs: The Great Weakness of ObamaCare
- More Benefits Mean Higher Costs
- Why Did the Insurance Industry Support ObamaCare?
- Are Healthcare Costs Rising Because of ObamaCare?
- A Review of the New ObamaCare Mandates
- No Pre-Existing Condition Rejections
- Temporary "High-Risk Pool" in Each State
- Children Can Be Insured on Their Parents' Plan Up to Age 26
- No Annual or Lifetime Caps on Benefits
- No Rescissions
- essential Health Benefits" Covered
- Medical-Loss Ratios" Tightened
- Restrictions on Premium Discrimination
- Right to Appeal
- Will ObamaCare Rules Apply to My Current Health Insurance Plan?
- 10. Turning the Screws on Medicare
- Closing the "Donut Hole"
- More Retirees May Need to Use Medicare's Prescription Drugs
- Means Testing: Lower Subsidies for High-Income Recipients
- Medicare Spending Cuts
- Medicare Payment Rate Cuts
- Medicare Advantage Cuts
- Independent Payment Advisory Board (IPAB)
- 11. Cost-Control Experiments
- "Bundled Payments" in Medicare
- "Independence At Home" Demonstration
- The Perfect Storm of Overutilization
- Hospital Readmission Reduction
- Accountable Care Organizations
- Comparative Effectiveness Research
- What About Tort Reform?
- PART IV | ObamaCare: The Fine Print
- 12. Making Americans Healthier
- No Co-Pays for Approved Preventive Services
- Prevention as a Guaranteed "Essential Health Benefit"
- Employer-Based Personal Wellness Reward Programs
- Nutritional Information in Restaurants
- Increased Funding for Preventive Services in Medicaid
- Prevention Counseling in Medicare
- Additional Costs for a Healthier America
- 13. Long-Term Care
- CLASS Insurance
- So Why Did the White House Decide Not to Go Forward with CLASS?
- Promoting In-Home, Long-Term Care
- Helping "Dual Eligibles"
- Nursing Home Transparency and Improvement
- What About "Death Panels"?
- 14: ObamaCare, Etc.
- Early Retiree Reinsurance Plan
- Restrictions on Physician-Owned Hospitals
- Doctor Shortages Forecast
- Funding for Community Health Centers
- PART V | CRUNCHING THE NUMBERS
- 15. ObamaCare's Price Tag
- Note on Congressional Budget Office ObamaCare Budget Forecast
- Where Does the Money Generated by ObamaCare Go?
- Where Does the Money for ObamaCare Come From?
- Medicare Spending Cuts
- Increased Medicare Hospital Insurance Tax
- Increased Medicare Unearned Income/Investment Tax
- New Fees on Pharmaceutical and Health Insurance Industries
- Financial Penalties on Individuals and Employers
- Excise Tax on "Cadillac" Health Insurance Plans
- Higher Penalty for Health Savings Account Disbursement
- New Limits for Flexible Spending Accounts
- Excise Tax on Medical Devices
- Medical Expenses Deduction Threshold Raised
- Tax on Tanning Salons
- CLASS Funds Counted as Revenue
- PART VI | LOOKING AHEAD
- 16. Protect Yourself Against ObamaCare
- Check Your Eligibility for Medicaid
- Don't Pay the Individual Mandate Penalty Unless You Have To
- Get OTC Prescriptions if You Use a Health Savings Account
- Get Approved Preventive Tests Without Being Charged Co-Pays
- Check to See if Your Employer Has a Personal Wellness Reward Program
- Use the Government's "High-Risk" Insurance Pool if You Need To
- If You're an Early Retiree Under Age 65, Prepare to Lose Your Insurance in 2014
- Medicare Advantage Enrollees Might Need to Find an Alternative
- If You're a High Earner, Talk to Your Accountant
- Small Business Owners Should Calculate Health-related Costs of New Hires
- Stay Informed
- Index
- Tables & Figures Index
- About the Author
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