Health Care Reform Resources

NOTE:  This section will be updated once the Health Care Act is modified by the current administration and becomes law.  (3/21/17)

The calculator and video below are consumer resources helping to explain key aspects of the Affordable Care Act and the impact on the public.

Premium Assistance for Coverage in Exchanges – subsidy calculator

A short video explaining health reform – The YouToons Get Ready For Obamacare

For more information on healthcare reform, and health policy, go to:

Kaiser Family Foundation – www.kff.org

The Commonwealth Fund – www.commonwealthfund.org

Families USA – www.familiesusa.org

The Robert Wood Johnson Foundation – www.rwjf.org

Illinois Health Matters – www.illinoishealthmatters.org

State of Illinois Health Reform – www.healthcarereform.illinois.gov

 

Health Care Reform Quiz

How much do you know about the health care reform?  Take this 10 question online quiz from the Kaiser Family Foundation and find out!

http://healthreform.kff.org/Quizzes/Health-Reform-Quiz.aspx

Also, refer to http://www.illinoishealthmatters.org/ for additional information.

Two of the biggest questions we are asked since the Health Care Reform was passed are;

“How will health insurance reform affect the Clinic?  Will you even be needed in 5 years?”

While we cannot predict the future, I can say with strong certainty that yes, we will continue to be needed in the future, regardless of the health care reform measures.

We are grateful for some of the measure that are currently being implemented – extension of benefits up to age 26 on the parents’ coverage, elimination of pre-existing conditions for children for insurance purchase, and a temporary reinsurance program for early retirees (over 55 years old).  This may have the effect of offering insurance to these three groups within the next year. But there are many people who will still be uninsured and underinsured in 2014 when the plan is fully implemented (pending no changes in the plan from a legislative aspect).  The Clinic currently has a strong medication program.  It is not yet clear how individual policies would work and whether people’s medications will be covered by the new law and we may be seeing people who need help in getting their medications.

Similarly, if people will have to purchase their own insurance, they may be able to afford only high deductible, high co pay policies which will effectively render them without insurance, as they would be unable to afford their co pays and deductibles.  And then there is the issue of Medicaid expansion.  Medicaid would be expanded to help cover childless adults (unlike the current structure).  Medicaid is a shared federal and state program, that is, the state pays first and then the feds match those payments.  In essence, they split half and half.  However, if the state cannot come up with its share of the cost, then providers will not get paid for their services and they will stop taking people with the Medicaid card.  While some people will theoretically have Medicaid, if there are no providers willing to take it, someone will have to help provide services to this “underinsured” population.

These are just three of the populations that we expect to be continuing to serve in the future regardless of the implementation of the health reform.  We are hopeful that many of our current patients will be covered, but we are anticipating that there will still be a fairly large group who will still need the services of the Clinic.

Suzanne Hoban, Executive Director FHPC

P.S.  If you have any questions, please contact me at 779.220.9315 or at shoban@hpclinic.org