Affordable Care Act & the Fight Against Cancer


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Affordable Care Act & the Fight Against Cancer

  1. 1. The Affordable Care Act It’s Impact on the Fight Against CancerCall(218) 339-2409Access Code:381 6693To hear 1presentation
  2. 2. Our Health Care Principles • Health Care Freedom must be restored. Medical decisions should be controlled by patients in consultation with their healthcare providers, without interference from insurance companies • Everyone should have health security, – the ability to purchase quality coverage at a fair and affordable price. • Health Care discrimination by insurance companies is a violation of fundamentalCall(218) 339-2409 rights, especially against people withAccess Code: preexisting conditions, and must be outlawed.381 6693To hear 2presentation
  3. 3. The Affordable Care Act The new national health care law, achieves these principles --Passed March 23, 2010 --Reforms Come in 2 StagesCall(218) 339-2409Access Code:381 6693To hear 3presentation
  4. 4. Stages of Reform Stage 1 (in effect now) • Outlaws worst health insurance abuses including denials based on preexisting conditions for children (adults with preexisting conditions will be covered in 2014). • Creates new standards for insurance, such as allowing youngCall(218) 339-2409 adults to stay on parents policiesAccess Code:381 6693To hear until they are 26. 4presentation
  5. 5. Stages of Reform Stage 2 (goes into effect 2014) • Expand BadgerCare (Medicaid) to almost all low income Wisconsinites. • Create competitive health marketplace to guarantee coverage to everyone who does not have good insurance at work. • Require Members of Congress to buy the same plans offered to everyone else in the new marketplace.Call(218) 339-2409Access Code: • Strengthen Medicare for Seniors.381 6693To hear 5presentation
  6. 6. Stage 1 Reforms Insurance Practices Outlawed now under the Affordable Care Act • Preexisting condition exclusions (kids now/ everyone in 2014) • Lifetime limits • Dropping coverage after a person gets sick • Excessive insurance industry profits and overhead (80-85% of your premium dollarsCall(218) 339-2409 must be spent on medical care, not profits)Access Code:381 6693To hear 6presentation
  7. 7. Stage 1 Reforms The Affordable Care Act guarantees • Preventive care coverage (ex: Mammograms, checkups, etc) with no cost sharing (co-pays, deductibles, etc) • Young adults can stay on parents policies until age 26 • Immediate access to coverage for people with serious pre-existing conditions through high-risk poolsCall(218) 339-2409 • Preventive care without cost sharing forAccess Code:381 6693To hear seniors on Medicare 7presentation
  8. 8. Stage 1 Reforms More guarantees • Requires health plans to cover essential benefits such as coverage for cancer screening, treatment and follow-up care • Limits out-of-pocket maximums for individuals and families enrolling in qualified health plans • Gives patients new right to appeal denied claims with their insurerCall(218) 339-2409Access Code:381 6693To hear 8presentation
  9. 9. The Affordable Care Act Ends Discrimination for 2.5 Million Wisconsinites Under 65 • Nearly 1 Million in Wisconsin under age 65 have a preexisting conditions that would deny coverage to them if they bought insurance on their own • An additional 1.5 million non-elderly Wisconsinites have preexisting conditions that could cause them to be denied coverage or charged excessive rates.Call (Source: U.S. Department of Health & Human Services, January 2011)(218) 339-2409Access Code:381 6693To hear 9presentation
  10. 10. Just Some of the Examples of Preexisting ConditionsCall(218) 339-2409Access Code:381 6693To hear 10presentation
  11. 11. The Faces of Reform How the Affordable Care Act is already helping people across Wisconsin who would otherwise be the victims of health insurance discriminationCall(218) 339-2409Access Code:381 6693To hear 11presentation
  12. 12. Sami’s Story “My 7-year-old son, Sami, suffers from a disease that causes tumors to grow all over his body. Sami’s treatments could not continue if we hit our insurance policy’s life time limit. Thanks to the Affordable Care Act, insurance companies can no longer impose lifetime limits or deny health coverage to children like Sami with preexisting conditions. We can’t go back to being on our own against the insurance companies.”Call --Tracy, Appleton, Wisconsin.(218) 339-2409Access Code:381 6693To hear 12presentation
  13. 13. Remy’s Story “I own a small café. Over 20 years ago I beat cancer, but ever since then no insurance company would sell me a policy because my cancer is called a preexisting condition. Starting in 2014 under the Affordable Care Act, no insurance company will be allowed to discriminate against me because I’m a cancer survivor.”Call --Remy, Pepin, Wisconsin(218) 339-2409Access Code:381 6693To hear 13presentation
  14. 14. Stage 2: Guaranteed Affordable Health Care (2014) • Wisconsin, with federal funding, creates a new competitive health marketplace, while keeping what works now in place. • The new health marketplace options are voluntary. If you have good coverage through your job you canCall(218) 339-2409 keep it.Access Code:381 6693To hear 14presentation
  15. 15. Competitive Health Marketplace for Middle Class • Created by each state to meet unique needs by 2014. • Access through website, similar to Travelocity or Consumer Reports, chose your own private insurance carrier and standards benefits plan. • System voluntary: can stay with current health insurance if it works for you.Call(218) 339-2409• Consumers in control, with clearAccess Code:381 6693To hear information, clear comparisons, and real 15presentation competition.
  16. 16. Competitive Health Marketplace • Makes coverage more secure by ensuring that people cannot be denied coverage due to preexisting conditions or have coverage dropped when they get sick. • Members of Congress will be required to get their coverage through the same competitive marketplace • Makes coverage more affordable, by providing tax credits on a sliding scale to middle class Wisconsinites.Call • Bans discriminatory pricing based on(218) 339-2409 medical condition, age, or gender.Access Code:381 6693To hear 16presentation
  17. 17. Gender Discrimination • Under our current system, women are charged more then men by health insurers. • This and other kinds of discrimination are outlawed in the new competitive health marketplace.Call(218) 339-2409Access Code:381 6693To hear 17presentation
  18. 18. Stabilizes & Expands BadgerCare to low income Wisconsinites • BadgerCare expanded to include every citizen who meets income requirements • Wisconsin’s contribution of BadgerCare expansion is substantially reduced. • Eliminates the risk of BadgerCare cuts. • Affects 337,000 Wisconsinites Badger- Care (Medicaid) recipients with seriousCall(218) 339-2409 and chronic diseases such as Cancer,Access Code:381 6693 Lung Disease, Diabetes & Heart Disease.To hear 18presentation
  19. 19. Strengthen Medicare The Affordable Care Act protects Medicare benefits for seniors and strengthens the program for future generations by • cracking down on waste, fraud, and abuse in Medicare, • ending handouts to insurance companies, andCall(218) 339-2409 • providing free preventive care toAccess Code:381 6693 decrease costly emergency room visits 19To hearpresentation and reduce health care costs long-term.
  20. 20. Faces of Reform The human impact of the new competitive health marketplace . . . .Call(218) 339-2409Access Code:381 6693To hear 20presentation
  21. 21. John’s Story "I have a tooth that is in infected and needs to be removed, which normally costs $100, but because I have Hemophilia the drugs are between $50,000 & $100,000 just to stop the bleeding. I have been denied insurance because of my condition, any employer-based care would require me to wait a year. I have no way of dealing with my conditions the way things are now. That is why I am looking forward to the new health marketplace." Call(218) 339-2409 --John, Small Business Owner, Albany, WIAccess Code:381 6693To hear 21presentation
  22. 22. Steve’s Story "I suffered from a deteriorating spine problem for about 10 years...We discovered what so many Americans have had the misfortune of discovering-It was impossible to purchase health insurance on the free market if you were considered high risk (had a pre-existing condition)...We applied many times over the years to every health insurance company we could find and were flat out rejected… with little other option I took a 20 hour flight to Malaysia to get treatment. Under the Affordable Care Act, I willCall have a right to coverage so I can get(218) 339-2409 treatment here in the U.S.”Access Code:381 6693 --Steve, Verona, WisconsinTo hear 22presentation
  23. 23. We Must Change • Health costs increased over 200% in Wisconsin since 2000 • Est: 45,000 individuals die each year because of lack of access to coverage • Majority of all bankruptcies in America are Medical BankruptciesCall(218) 339-2409 • Our current system incentivizes waitingAccess Code:381 6693 on treatments through deductibles & co- 23To hearpresentation pays instead of early treatment
  24. 24. The Affordable Care Act is Worth Protecting • Guarantees health care freedom. Working families no longer can be denied coverage for preexisting conditions, lose their coverage when they get sick, or have to haggle with insurance companies about claims and crucial medical treatments. • Everyone will have the peace of mind of knowing that they and their families have guaranteed access to affordableCall(218) 339-2409 coverage options, no matter what..Access Code:381 6693To hear 24presentation
  25. 25. Affordable Care Act is Worth Protecting • Increased opportunity: families will not be forced into bankruptcy when someone gets sick, and will be free to pursue economic opportunities without being constrained by health insurance access issues. • Wisconsin should work to improve the new law by implementing it in a way that works for everyone, not specialCall(218) 339-2409 interests such as the health insuranceAccess Code:381 6693 industry. 25To hearpresentation
  26. 26. How You Can Help • Our speaker’s bureau is always looking for new chances to speak. Invite us to your next event! • We need speakers to present this presentation to others, generally only once a month, let us know if you’reCall interested!(218) 339-2409Access Code:381 6693To hear 26presentation
  27. 27. Questions?• Kevin Kane • Dawn Anderson Healthcare Organizer Executive Director Citizen Action of Wisconsin Wisconsin Breast Cancer Coalition 414 550 8280 (cell) 414-963-2103 27