Affordable Care Act Users Guide for Nurses - page 3

Sentiments run high regarding the Affordable care Act, but whether one supports the new law or believes it to be a case of government over-reach, the fact is that the ACA is now the law and as nurses... Read More

  1. Visit  tntrn} profile page
    0
    Quote from Esme12
    That is true it is for Part B. You are lucky your husband has a pension with benefits....not all seniors or disabled people do. I would however check your COLA statement that was just mailed and be sure they aren't charging you....they were me and it took MONTHS to stop them....as a matter of fact I am still arguing with them.


    If you mean the COLA from SS, they are not charging us anything for Medicare anything. Our only deductions are for income taxes.
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  3. Visit  Glycerine82} profile page
    2
    I think everyone should have a good understanding of it and not just opinions based on what they've heard, but I don't think it's the role of the nurse to explain insurance to the patient. As a patient, I would want my nurse only to be concerned with my medical needs, not how I was going to afford those needs.

    I support the ACA and I have since it was implemented by Mitt Romney in Massachusetts back in 2007. So many people were able to become insured who previously couldn't afford it and it worked well IMO.
    Not_A_Hat_Person and tntrn like this.
  4. Visit  BCRNA} profile page
    1
    The parts about premiums not going up and people not losing their coverage is pure opinion. While the affordable care act does not explicitly state that premiums will go or people need to be dropped, it is happening a lot. Peoples who current plans don't meet the "standard" of the bill have to be adjusted, and the new premium is so high that the person can not afford it. Therefore people are being forced to drop it, just check out the news on the extension for people who will lose their coverage because of this, this information is easy to find. Also, the "affordability" of the new coverage is being overstated and only examples of very young, healthy people are being publically talked about. The cheapest plans leave 40% of the bill for non-preventative services for the patient to cover, does anyone think that cutting 60% off of a $10,000 or $20,000 procedure makes it affordable? People will still not receive care they need.

    I am not against the affordable care act, and I hope a lot of good will come from it. But so far all I see is people losing their coverage and hospitals scrambling to cut pay and benefits to cover it. I worry that high risks patients will be refused services because they will be high risk for complications (which the government will try and say they will not pay for patient care that is a result of an error or infection). It will be simple economics, tell a physician they will not get paid for procedures where infections occur then they will "cherry pick" the patients and deny care for elective procedures for high risk patients--no one will work for free.

    This article had a lot of facts, and while it did not have any outright lies it did not portray an accurate description of the changes caused by the affordable care act. It was more like the propaganda that the government spent $1 million dollars to present the positives associated with the bill.
    tntrn likes this.
  5. Visit  Sunflowerinsc} profile page
    0
    Quote from tntrn
    If you mean the COLA from SS, they are not charging us anything for Medicare anything. Our only deductions are for income taxes.
    Medicare part b is taken out of your SS. If your have signed up for part B. When I started taking my SS at age 65( full benefit for my age at that time , it was $ 96.00 a month.This year it's $104. You can have income tax ,federal and state taken out if you wish. I don't as we pay a lump sum for taxes every quarter. The cost of living raise may or not happen every year depending on what the government and what they give. It's biased the rate of cost of living for the past year. And it's not always increased. There was a year or so so the COLA was wiped out with the increase of Medicare Part B.
    I do not use the part D ,drug coverage and I'm not sure if there is a monthly fee . I am sure some one here knows.
  6. Visit  LadyFree28} profile page
    1
    Part D has a cost as well; depending on the plan one chooses.
    herring_RN likes this.
  7. Visit  tntrn} profile page
    1
    Quote from Sunflowerinsc
    Medicare part b is taken out of your SS. If your have signed up for part B. When I started taking my SS at age 65( full benefit for my age at that time , it was $ 96.00 a month.This year it's $104. You can have income tax ,federal and state taken out if you wish. I don't as we pay a lump sum for taxes every quarter. The cost of living raise may or not happen every year depending on what the government and what they give. It's biased the rate of cost of living for the past year. And it's not always increased. There was a year or so so the COLA was wiped out with the increase of Medicare Part B.
    I do not use the part D ,drug coverage and I'm not sure if there is a monthly fee . I am sure some one here knows.
    Right. Medicare Part A has no premium. We have supplemental and drug coverage through my husband's retirement benefit plan. We do pay a premium to the company HR department. We are delighted to have that benefit.
    herring_RN likes this.
  8. Visit  GrumpyRN} profile page
    1
    Many thanks to the OP for this, as I am from the UK I could not get my head around the ACA but this helps a little.

    The commenters who say that insurance are not part of a nurses duties are wrong I think (yes, yes I know..... shoot me down) however, even here in the NHS I get questioned about costs and, especialy from Americans, how much do I owe and where do I sign out? So I have to have answers.
    (The answers by the way are; care is free at the point of use, emergency care is free but all other care we will charge you for if you are not a UK citizen. UK workers and their employers pay a percentage of their wages for Social Security which includes NHS.)

    I am not trying to compare sytems just trying to understand what all the hullaballoo was about.
    Last edit by GrumpyRN on Dec 23, '13 : Reason: Minor tidying of sentence.
    herring_RN likes this.
  9. Visit  Havin' A Party!} profile page
    2
    Quote from GrumpyRN
    ... The commenters who say that insurance are not part of a nurses duties are wrong I think (yes, yes I know..... shoot me down)...
    Boo! You're just a grumpy RN from across the pond. Please consider yourself shot down. ;>)
    herring_RN and GrumpyRN like this.
  10. Visit  GrumpyRN} profile page
    3
    And a merry christmas to you too.
  11. Visit  tntrn} profile page
    0
    Quote from GrumpyRN
    Many thanks to the OP for this, as I am from the UK I could not get my head around the ACA but this helps a little.

    The commenters who say that insurance are not part of a nurses duties are wrong I think (yes, yes I know..... shoot me down) however, even here in the NHS I get questioned about costs and, especialy from Americans, how much do I owe and where do I sign out? So I have to have answers.
    (The answers by the way are; care is free at the point of use, emergency care is free but all other care we will charge you for if you are not a UK citizen. UK workers and their employers pay a percentage of their wages for Social Security which includes NHS.)

    I am not trying to compare sytems just trying to understand what all the hullaballoo was about.
    I would say the "hullabaloo" is that this law is so complex that even those who voted for it probably cannot explain it. And that everthing will vary depending on a patient's individual stats...how in the world could anybody even attempt to answer questions without charts and tables at the ready? Best to refer them to people whose job it is, not those whose task is to do nursing care.
  12. Visit  Havin' A Party!} profile page
    0
    Quote from tntrn
    ... this law is so complex that even those who voted for it probably cannot explain it... Best to refer them to people whose job it is, not those whose task is to do nursing care.
    Exactamundo!

    My recommendation to my boss (DON):

    The informational piece on insurance coverage belongs with Social Services.

    Are we gonna foot the bill for educating and updating the entire nursing staff on all aspects / changes of this law and its regs... as well as how it all impacts specific insurance policies and individual circumstances of our patients / residents? That would be crazily inefficient.

    Maybe, we should require nurses to drive their patients to their next medical appointment also.

    (Nudge to Grumpy): Perhaps, that's how the NHS does its biz.

    "By yon bonnie banks and by yon bonnie braes... and I'll be ... "
  13. Visit  GrumpyRN} profile page
    2
    If you can't explain it's basics to your patients, how do you explain it to yourselves? Why, if no-one understands it, are positions so polarised?
    From the UK it seems to be a good thing but I appreciate that from your perspective it is not so simple or black and white.


    Maybe, we should require nurses to drive their patients to their next medical appointment also. Perhaps, that's how the NHS does its biz.
    In fact we can arrange for PTS (patient transport services) (part of the ambulance service) to take some patients to their appointments.


    By yon bonnie banks and by yon bonnie braes... and I'll be ...
    Thank you, an unofficial anthem of Scotland.

    Runrig - Live in Loch Lomond - Loch Lomond - YouTube
    herring_RN and NRSKarenRN like this.
  14. Visit  Havin' A Party!} profile page
    1
    Thanks for the vid, Grump. Liked it!

    Remember singing that song in grammar school many moons ago. Was always one of my favorites.
    herring_RN likes this.


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