Obamacare has changed expectations on healthcare

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All 50 states offer Medicaid coverage to those who qualify, but the qualifications differ from state to state. As of the beginning of , 31 states and the District of Columbia had decided to adopt Medicaid expansion, while 19 states had not. Obamacare didn't require states to participate, but the result has been a patchwork of provisions that create very different incentives for Americans depending on what states they live in.

The Affordable Care Act broadened the set of preventive services that health plans were required to cover. Preventive care includes annual physicals, various screenings, and appropriate immunizations and vaccines for all adults. Women qualify for contraception services and women's health tests such as mammograms, while children receive scheduled vaccinations and routine age-appropriate screenings.

Typically, these services are now free when provided by in-network health professionals, which was a change from some plans that charged co-payments or deductibles before providing coverage. Young adults between 18 and 25 used to be among those least likely to have insurance coverage.

Once a parent's plan no longer allowed a child to maintain coverage, options were limited. In response to that situation, the Affordable Care Act changed things so that in most cases, adult children can remain on a parent's plan until they turn While not a perfect answer to the problem, those extra years often give young adults enough time to get their own coverage through an employer. Before the Affordable Care Act, dollar limits on the benefits an insurance plan would pay during an insured person's lifetime were common.

The Affordable Care Act prohibits health plans from imposing lifetime limits on essential health benefits, preventing the catastrophe of losing coverage entirely in the event of a major illness or injury. The intent of this provision was to limit the amount of profit that an insurer could use to spend on administrative services or return to investors.

If healthcare expenses turned out to be less than projected, then insurance companies would theoretically have to send rebates to policyholders. Although some health insurers have reported difficulty in making their marketplace insurance plans profitable, it's unclear whether the ACA's requirements on healthcare spending have reined in industry profits overall.

Prior to the ACA, rights to appeal an insurer's decision to deny claim payments or end coverage were more limited. Patients typically had rights to an internal appeal with the insurance company itself, but after that, legal remedies could be arduous. Under the Affordable Care Act, you're allowed to have an independent third party do an external review. If the reviewer rules in your favor, then the insurance company must comply.

In the past, some insurance companies denied coverage if they found mistakes on an insurance application. In some cases, this might even involve retroactive denial back to the beginning date of a policy, which could result in no coverage for healthcare expenses you had already incurred.

The Affordable Care Act made it illegal for insurance companies to cancel coverage simply because of an error. Instead, they must prove that you either fraudulently put false or incomplete information on an application, or you failed to pay your premiums. Even with the House vote, Obamacare isn't yet history. A critical component of Obamacare is that people with pre-existing illnesses or conditions cannot be prevented by a health insurance company from purchasing a plan.

Medicaid expanded in only about half the country , even though this government health insurance for people below a certain income level was supposed to be expanded in all 50 states. The halfway expansion created a gap of uninsured people who earned too much to qualify for Medicaid but too little to purchase health insurance on government-run health care marketplaces. More detection, more problems. The more people get their health checked out, the more illnesses are likely to be discovered.

Their findings could have major implications for gauging the concrete effects of the new health care law. According to the American College of Emergency Physicians in , a majority of emergency room physicians reported an increase in visits after Obamacare was implemented, rather than the decrease in ER visits promised by the government. Obamacare Is Doing Really Well.