Since 2010, insured have enjoyed free wellness care, as long as it fits the guidelines set forth in PPACA. (See www.Heathcare.gov/prevention for details of the wellness treatments you are eligible for.)
To ensure he didn’t have any concern for lung cancer, my friend, a former smoker, asked during his recent wellness visit for a chest x-ray and was denied. The doctor said it wasn’t necessary. His mother died of cancer at age 62. He is turning 57 this year and felt it was necessary for his peace of mind. He is willing to pay for it and couldn’t get the Doctor to order the x-ray. Only 1% of lung x-rays show cancer, but what if he is the 1%?
The bigger picture is that behind the scenes, PPACA is changing Doctor’s compensation from a “fee for service” (where providers profit from providing more services) to “capitated” payments (where providers profit by providing fewer services) or some hybrid. Meet the new final authority for health care in America. It’s not Congress, not the Court, and not “We the People”. It’s an Independent Payment Advisory Board (IPAB), an unelected, unaccountable 15-member panel empowered to set healthcare standards for spending, care and efficiency that will affect all of us. It is quite possibly the most dangerous aspect of the entire PPACA law. IPAB is not required to hold any public hearings and its decisions are not subject to administrative or judicial review. It has the power to tax and ration care. This is all by design. The authors of Obamacare decided to take the difficult matters away from politicians. The “quality and efficiency” standards set by IPAB affect ALL health care, not just Medicare and Medicaid. This means your utilization of your private health insurance will be affected, even if you are willing and able to pay for treatment. There will be one standard of care for all. IPAB has determined too much money is spent in the last year of life.
Furthermore, as IPAB is reducing compensation to Medicare/Medicaid providers, fewer Doctors can afford to continue serving this population. There is a silent exodus already in motion from Doctors. This movement is the beginning of rationed care.
So how does PPACA affect you? It will depend on your age, wealth and health.
*“Hidden Dangers of Obamacare” was used as a resource to this article.
Jeanine Kinzie - Licensed Health and Life Insurance Agent
If you would like to talk to an expert about what this means for your and how you can best protect yourself and your family in the future, Contact Jeanine!