Since the House has passed the legislation for health care reform, many Americans as well as medical care workers and individual private insurance agency are left wondering what does this mean for them in the long run, or what the initial Obama effects on individual health insurance will be?
This form of insurance is considered Government run and a public option it is not a mandate. No one will be ask to give up private insurance policies that they currently have. This plan is for those American’s who are not insured and need health care coverage and those who are not happy with current health insurance policies they are own now.
It will be a little pricey for the United States upward of $55 billion but well worth it to families who were not able to insure their selves or families and still save money in excess of $2000 each year when enrolled within this plan.
Techniques will be put into place for physicians and clinics to strive for more preventative treatments and management of conditions that are chronic or hereditary. More American’s each year has their insurance premiums go up until they can no longer afford coverage as the private insurance agency deem them catastrophic coverage plans. Now these same individuals can be re-insured and have their premiums severely reduced by this plan.
These people who once were only insured under the catastrophic policies will now receive re-insurance at easily affordable premiums provided by the Government with the programs much like what Medicare has in place today for those over 65. This will include health plans through employer’s as well to all full time employee’s.
This coverage allows any United States citizen availability for enrollment when they have no private or employee offered insurance options. They must be under the Medicare benefits age is the only law.
This health reform will cover mental, maternal health coverage and that of child well health care. There will be limits on your out of pocket annual costs all enrolled members will pay. Health care for America would also provide direct coverage of prescription drugs too.
Children’s well health checks are provided to all with no money costs out of pocket. Cost of the coverage is proposed to not go over $200 for family plans, Spouse $140 and for single $70. This plan is guaranteed and would allow for continuous coverage for those who enroll.
No one will be denied no matter if they have pre existing illnesses, injuries, chronic health problems etc. Coverage will be mandatory on all children’s medical needs and well care visits. There will also be more programs aimed entirely on prevention and management of ongoing illness and chronic disease.
Within five years time all paper medical care reports and records will be non-existent as they will be transferred into The Electronic Health Information Technology System. This will keep physicians and nurses from making mistakes due to handwriting mistakes and so forth. This will also let health care providers pull up your entire medical history at the touch of a few buttons.
Many will still oppose this Health care for America plan but then again many of us American’s who cannot afford insurance coverage will applaud it. Thanks to some of the best benefits that Obama effects on individual health insurance has put into play.
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