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Let’s cut to the chase. Yes, it’s legal. And it’s a huge trend that began with only “carrots” — discounts on gym memberships, fun health fairs — and is now progressing to sticks. Or at least, to carrots that can feel a whole lot like sticks.
The law requires insurance companies to justify rate increases, gives you the right to repeal a denied claim, phases out annual and lifetime limits on your coverage, and forces insurance companies to spend at least 80 percent of your premiums on providing care — not on marketing or bonuses.
When health insurance exchanges are implemented in states by 2014, all of us will have the same insurance options as members of Congress. These marketplaces will allow individuals and small businesses to compare rates and find plans that work for them or their employees.
Due to Obamacare, many fitness and health procedures are to be completely covered by insurance. Patients feel that they are getting them for free, since they are not paying at time of services rendered, but their premiums will greatly increase for this prepaid medical care. A large amount of the costs go toward treating preventable disease such as obesity and its health risks. Employers want to increase wellness in the workplace to increase productivity.
Patients looking to improve their health due to weight issues can save money on gastric bypass or diabetes screening on MediBid. Get the individualized care you need from physicians willing to provide affordable medical care outside the restrictive world of insurance. Employers can also find group health plans which use HSAs, which give the power of medical decisions in the hands of employees rather than insurance. Check out our free BMI calculator here!
What This Means for You
If your plan is subject to these new requirements, you may not have to pay a copayment, co-insurance, or deductible to receive recommended preventive health services, such as screenings, vaccinations, and counseling.
For example, depending on your age, you may have access — at no cost — to preventive services such as:
•Blood pressure, diabetes, and cholesterol tests
•Many cancer screenings, including mammograms and colonoscopies
•Counseling on such topics as quitting smoking, losing weight, eating healthfully, treating depression, and reducing alcohol use
•Regular well-baby and well-child visits, from birth to age 21
•Routine vaccinations against diseases such as measles, polio, or meningitis
•Counseling, screening, and vaccines to ensure healthy pregnancies
•Flu and pneumonia shots - Visit Vaccines.gov to learn more
•Mandatory employer-provided coverage. Small businesses – with fewer than 50 employees – are exempt from mandatory requirements. Businesses with more than 50 employees will be required to provide coverage as of 2014 or pay a fine. That means those of us who provide health care coverage will no longer, in effect, be subsidizing our competitors (whose employees rely on public health services) who don't.
•Mandatory personal coverage. Also as of 2014, you'll be required to have health insurance or pay a fine. If you have to pay more than 8% of your income for the cheapest plan, you're not penalized.
The Supreme Court has upheld the linchpin of the Patient Protection Affordable Care Act: The requirement that each individual carry at least a minimum level of health insurance or face a tax penalty beginning in 2014.
Originally posted by macman
reply to post by jimmyx
Yes, they should, as I have not seen where in the Constitution it states that Govt gets to set guidelines for companies in this manner.
Very simple. YOU have the right to work elsewhere. I find it very sad and embarrassing that you and Progressives think that you get to set the rules YOU like, for others.
Originally posted by MsAphrodite
It's part of Obamacare. It's the law. There will be no lawsuits. As I said you are now a subject. You gave up your citizenship.
Want insurance? Get on the scale
The Affordable Care Act requires employers to offer health insurance, but some companies are making workers jump through new hoops to get it.
More than 40% of employers currently -- or are planning to -- tie biometric measurements to premiums or health plan incentives,
Originally posted by TheOtter
I don't understand how anyone is being forced to take a flu shot. All you have to do I'd tell them you're allergic to one of its components (I think it is eggs). They can't force you to take it if you know you will have a life threatening reaction.
Originally posted by Wildbob77
I know this is a sensitive issue.
If I read this correctly a company says you need to go to a doctor and have these tests done and report the results back. If you don't do that, you will have a premium increase of $50 per month.
If they had worded this just the opposite.. Your premium is X dollars per month and if you go to the doc and report the results you will save $50 per month, would people still be upset?
Or would people be upset if say you got a reduction in your monthly premium if they maintained a healthy lifestyle?