ACA IN TROUBLE!

Learn more about what could happen if ACA is repealed


Jacob Ditsch OTS-III Doctoral Intern and Barbara Kornblau JD, OTR/L, FAOTA

What could happen to you if the ACA is repealed?

• Your insurance company could charge you more because you have pre-existing conditions.

• Your insurance company can deny coverage because you have pre-existing conditions: This includes things like diabetes, cerebral palsy, stroke, Alzheimer’s, kidney disease, muscular dystrophy, spinal cord injuries, etc.

• Habilitation services and rehabilitation services may no longer be covered.

• Your insurance company can put lifetime coverage caps in place, after you reach a certain amount of money spent.

• You could lose “essential health benefits” like coverage for therapy services or medical devices: This includes things like wheel chairs, oxygen equipment, blood testing strips for diabetes, etc.

• Your insurance may charge extra for additional coverages that are currently protected under the ACA: This includes things like ambulance rides and therapy services.

• Your insurance may charge extra if you are over 50.

• You could lose ACA protections that prevent discrimination due to race, color, national origin, sexual identity and gender, age, or disability.

• Your children could lose coverage that provides important, necessary care more often: This includes things like oral health, screens for diseases and sickness, etc.

• You could pay more money for prescription drugs that you need to live than you are currently paying under the ACA.

• Hospitals and doctor offices near you could close, leading to less options for care

• If you, or a loved one, have serious medical complications, your Medicaid doesn’t have to go back in time and cover you retroactively for your entire hospital stay: This could include things like hospital bills and therapy services costs.

• You could lose the number of choices you have for seeing doctors and appointment times.

• You could lose access your OB-GYN without a referral, leading to longer wait times and the cost of paying for two doctors, when you only need one.

• Your insurance could deny coverage for important and necessary preventative services: This includes immunizations for your kids and yourself, screenings for sicknesses, mammograms, newborn screenings, and more.


For more information click the link below!

References

Center for American Progress. (2019. December, 19). Court Ruling Against ACA Hurts Patients and Destabilizes Health Insurance Markets. Retrieved from https://www.americanprogress.org/issues/healthcare/news/2019/12/19/478930/court-ruling-aca-hurts-patients-destabilizes-health-insurance-markets/Centers for Medicare and Medicaid Services. (n.d.). At risk: Pre-existing conditions could affect 1 in 2 Americans: 129 million people could be denied affordable coverage without health reform. Retrieved from https://www.cms.gov/CCIIO/Resources/Forms-Reports-and-Other-Resources/preexisting.html Centers for Medicare and Medicaid Services. (n.d.). Information on essential health benefits (EHB) benchmark plans. Retrieved from https://www.cms.gov/CCIIO/Resources/Data-Resources/ehb.html Families USA. (2018). 10 Essential health benefits insurance plans must cover under the Affordable Care Act. Washington, DC. Retrieved from https://familiesusa.org/resources/10-essential-health-benefits-insurance-plans-must-cover-under-the-affordable-care-act/ HealthCare.gov. (n.d.). Lifetime limit. Centers for Medicare and Medicaid Services. Retrieved from https://www.healthcare.gov/glossary/life-time-limit/ Kaiser Family Foundation. (2020. January, 3). Potential Impact of Texas v. U.S. Decision on Key Provisions of the Affordable Care Act. Retrieved from https://www.kff.org/health-reform/fact-sheet/potential-impact-of-texas-v-u-s-decision-on-key-provisions-of-the-affordable-care-act/
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Ditsch, J. & Kornblau, B. (2020, January). Retrieved from: