Affordable Care Act Users Guide for Nurses - page 4

by JB85

8,123 Unique Views | 55 Comments

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 we are obligated to make sure... Read More


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    Part D has a cost as well; depending on the plan one chooses.
    herring_RN likes this.
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    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.
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    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.
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    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.
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    And a merry christmas to you too.
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    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.
  7. 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 ... "
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    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.
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    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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    Quote from juliezehrn
    What part of this article is opinion? Not playing devil's advocate here; I just don't see it. And I get asked to explain this quite often--from patients, friends, relatives...I just tell them that I'm a nurse, not an insurance salesman--but secretly I wish I did know more so I can understand its implications for healthcare in general.
    This is opinion:
    "as nurses we are obligated to make sure that patients and their families understand the basic workings of the law. Nurses are in a position of trust and as such we should be able to address patient's questions and concerns regardless of our personal feelings about the ACA."

    My experience is different than yours. I have yet to have a single patient, friend, family. etc. ask me to explain it to them.
    Sunflowerinsc, workingharder, and tntrn like this.


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