With the Affordable Care Act in full swing making changes to health care reform all over the nation, essential health insurance complaints are on the rise. Asking ourselves, “who is it really benefiting” and “Who is really paying?” With health care being a highly debatable topic on who deserves what, how do you pay for this and who determines that, many are wondering how helpful is the new act that is in place and will it really solve the nations needs for equal health care availability to everyone. There is no way to please everyone when it comes to a topic like this and in some cases no middle ground.
The Affordable Care Act allows all within the private and independent markets the ability to gain health care insurance. They will be able to receive essential health insurance benefits and services that would normally be unable to attain because of costs or denial. These benefits include ten of the choices below, which is another factor of disagreement. The benefits could include, limiting to ten in total, maternity and newborn care, substance use disorder services, hospitalization, emergency services, mental health care, laboratory services, preventative and wellness services, behavioral health treatments, prescription drugs, rehabilitation services and devices, pediatric services and chronic disease management. Many feel that allowing the choice in any of these services to be included in the essential health benefits packages could be deemed unfair. But, could allow those who previously were unable to receive these services prior the access to and to choose what will benefit them and their health.
The reform could be beneficial to those previously unable to receive proper health care. The health care market is a tricky thing and nowhere near perfect. With insurance companies offering high premiums for packages that are nearly impossible for most to pay for, it leaves options that cover next to nothing but then affordable to those who need it. Yet, they do not cover anything that the issuer needs. It’s a vicious cycle of unfairness and a debatable topic as it arises throughout the nation. As we go into a reform spreading availability of benefits packages to everyone, where does that leave the middle class Americans who are struggling to pay and work heard, yet will be hit the hardest. This is where the essential health insurance complaints have been asked the most. But, will it?
With the changes coming into effect because of the Affordable Care Act, many coming in the next years until 2014 when all Medicaid agencies will have mandatory availability to the essential health insurance benefits for themselves and families based on need, leaving the insurance companies unable to discriminate due to age, illness or gender. Will this effect premium costs already in effect and how will it change for those who have current health insurance plans? Will costs for them rise while others will not yet, receive the same service? And will state by state mandate laws change how that affects you? There will always be questions asked, complaints made and new ideas proposed. With essential health insurance complaints coming in daily, there will always be new theories and ways to make health care more accessible and better for everyone. Just how and where does that really begin?