Monday, July 9, 2012

The Importance of Being Informed

The July 16, 2012 issue of Time magazine does an excellent job of covering the recent Supreme Court decision regarding the Affordable Care Act.  Joe Klein's column in the same issue talks about how the ACA could be improved, especially to save money.  As I read through this informative issue, I wondered how anyone could be uninformed about the ACA after two years and boundless media coverage.  But there are people out there who choose sources for their information that I would not trust to be unbiased and complete.

The Kaiser Family Foundation has offered a quiz to test your knowledge of the important parts of the ACA.  You can find it here.  I'm glad to say that I took the quiz and scored 10 correct out of 10, which, the website told me was better than 99.6% of the American population.  Wow. 

Where are those people getting their information?  Or have they not bothered to inform themselves about something as important as the Affordable Care Act that will affect every citizen in this country?  I think the more accurate response to these questions is that these people are getting the information from unreliable sources or they're not informing themselves.  In both cases, they need to go to trusted sources to inform themselves so they will be able to fully participate in choosing their health insurance and avoid the penalty, sources like the Time magazine stories.

If your media sources are on the extreme right or extreme left, you may not be getting all the information you need, or what you learn from them is wrong.  One of my pet peeves is the loudmouthed idiots out there who promote wrong ideas about the ACA, like that the government will decide which doctors you can go to, what procedures you will be able to get, what drugs you'll be able to get, and even that there will be "death panels."  Utter nonsense. 

In fact, you will notice little if any change as far as your medical choices are concerned.  You will still be dealing with insurance companies and their medical advisers, not the government, unless you are on Medicare.  There will still be drug formularies, prior authorization, in network and out of network providers.  It will be the insurance companies, still, who will block or approve procedures based on their decisions about coverage under your policy.  And you can be sure that the policies will be carefully written so it will be important for you to read yours carefully as soon as you receive it. 

The ACA regulates the insurance companies, not you.  It makes sure that health insurance will be available to everyone in the country, that insurance companies cannot deny someone a policy based on age, medical status, or pre-existing condition.  It sets up a system in which the insurance companies compete for your business.  It creates ways in which people who cannot afford to buy insurance can receive financial help.  This legislation is saying that there will be no excuse for not being insured. 

Here are some trusted sources regarding the ACA:

www.healthcare.gov/law/index.html
www.healthcare.gov/law/full/
www.irs.gov/newsroom/article/0,,id=220809,00.html
www.whitehouse.gov/blog/2012/07/02/affordable-care-act-numbers
www.washingtonpost.com/blogs/ezra-klein/wp/2012/06/24/11-facts-about-the-affordable-care-act/ www.hhs.gov/opa/affordable-care-act/

Or do your own search for information about the ACA.  At this point, there's no excuse for not being informed with the actual facts about the ACA.

1 comment:

Laura from lifeinsurancequotes.co.za said...

It is definitely worth doing some research and reading insurance company reviews before committing to anything. This will help you weed out the good guys from the bad guys.