Obamacare tagged posts

Repealing the ACA Could Cause a Mental Health Care Crisis

Jeffrey Harman, PhD
College of Medicine, Florida State University

Care For Your Mind acknowledges and appreciates the collaboration of the National Network of Depression Centers for developing this post.

Our nation’s healthcare system has made impressive progress in the last several years. As a direct result of the Affordable Care Act (ACA), we’ve reached a record low uninsured rate; the number of unpaid medical bills (or bad debt) has plummeted; and 20 million Americans now have insurance purchased through the ACA marketplace.

But there are imminent threats facing this hard-won progress. Our newly-elected president is staunchly opposed to the ACA. He and congressional Republicans have vowed to repeal Obamacare, with no clear plan for what would replace it.

If they succeed, our country could be facing a health care crisis of unprecedented proportions. Millions of Americans could lose their coverage; hospitals could go bankrupt; people could pay thousands more in out-of-pocket costs.

Is our current healthcare system perfect? Of course not. But it’s a lot better than it was eight years ago, particularly for people living with mental health conditions. We need to continue to improve on what we’ve built, not abandon all progress and attempt to start from scratch.

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What Is the Future of Obamacare?

Health Insurance Photo

Depression and Bipolar Support Alliance

With Republicans moving into the White House and controlling both houses of Congress, what can the American people expect to happen to “Obamacare” and what impact will that have for those of us living with a mood disorder and our families? If Obamacare collapses, will we have access to mental health care?

Many people are unaware of the connection between mental health parity and Obamacare. Mental health parity became law in 2008, making it illegal for insurance plans to provide different levels of coverage for mental health care as compared to medical/surgical benefits. However, it was the passage of the Affordable Care Act (ACA); often referred to as “Obamacare” that required all health insurance plans governed by this law to offer mental health coverage in the first place. Until Obamacare, insurance plans could side-step parity by simply not offering mental health coverage. As a new administration gets ready to take charge, many people are asking if they will still have affordable access to insurance plans that provide both physical and mental health coverage.

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It’s That Time of Year! Tips for Choosing a Health Insurance Plan

Recently CFYM sat down with DBSA Texas Grassroots Organization (“GO”) Chair Kimberly Allen to discuss the Affordable Care Act. Ms. Allen is a former insurance broker who has advised individuals living with a mental health condition and their families on matters pertaining to health insurance. In this informative interview, Ms. Allen shares tips on how to find the ACA policy that best fits your circumstances. Additionally, we’d like your feedback on High Deductible Insurance Plans. 

Care for Your Mind: It’s been three years now since the implementation of the Affordable Care Act (ACA). What effect has it had on individuals living with a mental health condition and their families?

Kimberly Allen: People now have a lot more access to mental health services. For starters, no one can be denied insurance coverage based on preexisting conditions and plans cannot charge more based on medical history or current health care needs.

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Final Parity Ruling and Obamacare

healthinsurance2Cause for celebration or just one victory in a long-term battle

On November 8, 2013 the Obama administration released the final rule providing guidance on how health insurance plans should implement mental health parity. In short, the rule states that mental health coverage must be equitable to how insurance plans cover other physical conditions. Restrictions accessing care and reimbursement for services can no longer be different for mental health in relation to other health care services. Additionally the ACA, more popularly known as Obamacare, requires that mental health coverage be included as an essential health benefit for plans available through the market exchange.  In short, as of January 1, 2014 private, marketplace exchange and Medicaid Expansion plans must offer mental health care and it must be with parity.

Much has been written about the ruling. Most of it positive. Bloomberg BNA states advocates are praising the rule. The National Council applauds the ruling saying it is “a huge victory for people living with mental health needs and for the nation as a whole.

CFYM has covered the topic in past blogs and has provided instructions on how to fight for your coverage rights by challenging an insurance claim denial. Carol McDaid of the Parity Implementation Coalition posted on September 19 that now is the time to become an informed, empowered, and vocal consumer. There is much work still to be done to ensure the civil rights and protection of people living with a mental health condition when it comes to access, however.

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