ObamaCare and the Healthcare System Medical and health insurance is a very helpful and needed aid in America. Although not everyone can get it since some have pre-existing conditions, it helps a great deal of people. One of the terms in the Patient Protection and Affordable Care Act, a. k. a. ObamaCare, says that even children with pre-existing conditions are guaranteed medical insurance. This may seem like a great thing to some, but that means insurance companies are going to have to raise their existing premiums because they will have to pay for much higher risk patients.
In addition to the higher premiums, the insurance companies will cut back on the payments they make to doctors and hospitals, and charge a fine to the people who do not buy medical insurance. Though Obama and many others make ObamaCare seem like a lifesaver, the effects on the healthcare system could be considered tragic by some. One of the major problems the healthcare industry will face if ObamaCare is successful is accepting every child, even if they have a pre-existing condition.
The Affordable Care Act is supposed to ensure that adults with a pre-existing condition can get coverage as well as children in the year 2014 (Cannon, 2010). The fact that everyone gets the help they need is great, but the fact that every single person has to pay more even if they’re not sick is a downfall. The insurance companies know they are going to lose money when they have to accept the people with pre-existing conditions.
Those losses will be charged to the everyday healthy people by higher premiums and reduced benefits. Basically they charge the healthy people more to be able to cover the sick people who only buy insurance after they get sick. According to National Review Online, the cost to cover the people with pre-existing will come in the form of a tax on the other healthy consumers, and the people who bought insurance before they got sick will be punished to bail out the people who were not as responsible. (National, 2010).
In addition to the higher rates and reduced benefits for the American people, the health- care system will not be able to pay the doctors and the hospitals as much as they should due to them making less money. This is forcing the doctors to no longer accept certain insurance companies such as medicaid because they aren’t being reimbursed for the services they’re providing to the consumers that are using medicaid. One doctor, Dr. Martha Boone in Atlanta, Georgia, said that she would have to see 20 patients an hour in order to make any reimbursement from medicaid.
She said that medicaid paid none of their bills coming from her office for 18 months and when her office sent registered letters to Medicaid to see what the problem was they said it was a computer error and still didn’t reimburse her office (Heritage, 2010). Because most doctors don’t receive money from Medicaid, most of them don’t accept it. “Of the 93 internists affiliated with New York-Presbyterian Hospital, for example, only 37 accept Medicare, according to the hospital’s Web site. ” (Connelly, 2009).
This forces the Medicaid consumers to go to the emergency room when they need help since normal doctors rarely take their insurance. Dr. Lloyd Krieger says that the undoing of this healthcare bill is, “an urgent necessity. ” because it is, “doing great damage even years before it’s individual mandates and other controls kick in. ” (Krieger, 2011). Not only is ObamaCare going to cause premiums to increase and cause doctors and hospitals to no longer accept Medicaid, it is also going to charge a tax on the people who choose not to buy medical insurance.
Most Americans think this is ridiculous since they’re not actually receiving any benefits from not buying insurance, but they still have to pay a tax penalty. The tax is ultimately a mechanism that Democrats want to use to prod people to get health insurance. If they do not get any insurance, they would have to pay the tax penalty, but if they do get insurance then they won’t be affected by the tax penalty. All in all, ObamaCare will have a negative effect on the healthcare system and the people of America.
Not only does it cost more to have medical and health insurance because it is now required to accept every consumer even if they have a pre-existing condition, it costs more to not have it by the tax penalty. Because of the additional costs some doctors and hospitals are no longer accepting Medicaid which forces the people who rely on Medicaid to either go without or to go to the emergency room. This is not a benefit to anybody. The Patient Protection and Affordable Care Act, a. k. a. ObamaCare will be a major burden to the healthcare system and to Americans if it is not repealed by the year 2014.