Peninsula Daily News Column 9-19-2013 "'ObamaCare' becomes real in 12 days"

          …once more, with feeling…

ObamaCare!

          I’m sorry if that once derisive/now descriptive term offends some of us, but it is the term that rings the most bells with most of us. If you prefer “Affordable Care Act,” “ACA,” “Health Benefits Exchange,” “HBE” or the “health insurance mandate,” feel free to substitute your preferred preference, but here’s this week’s “bottom-line:” 13 days from today, this whole thing becomes…real.

          That means that, 13 days from today (October 1, 2013), people with no health insurance (or crappy health insurance) will be able to get health insurance. That means that, for many of us, we’ll be able to get healthcare for ourselves and our families. Think about that; so, instead of just rolling the dice, hoping for the best or being known on a first-name-basis by our local ER room, we could actually have health insurance.

          Now, does having health insurance absolutely guarantee that you’ll be able to find a doctor or clinic who will welcome in you and yours with open arms? No – This is Earth: Nothing guarantees anybody anything, but having health insurance will sure-as-heck help you when you’re looking, because something is almost always better than nothing.

          So, on October 1^st, the Washington Health Plan Finder will be operational. The “Health Plan Finder” is a webs site (“portal”) where you will be able to “shop” for health insurance. That means that you will be able to put in some info about you and yours and it will tell you what you might be eligible for in terms of Medicaid or a “Qualified Health Plan.” IF Medicaid, it will help you apply for same. IF a “QHP” (I know, but I’m getting tired of typing “Qualified Health Plan”), it will tell you whether you’re eligible for a subsidy, how much and what QHP’s are available to you, depending upon where you live, tra la.

          THEN, you’ll be able to decide (if you’re ready to decide) about which plan, what level (bronze/silver/gold) AND actually purchase or commit, right then and there.

          STOP! If you re-read, like I just did, those last two paragraphs above, you might be thinking, “WOW! That’s a lot to understand and decide!” Yes, it is, which doesn’t mean you’re stupid – It means you’re smart, because you’re thinking.

          And if you’ve never had health insurance before, so you’re new to things like “copays” and “deductibles” and blah blah, then this could all be a bit overwhelming. Don’t beat yourself up, because we ALL had to learn it somewhere, sometime, so just take a breath and trust that you’ll “get it” – And you will.

          So, IF you have a computer, and IF you have internet access and IF you just can’t wait to get this going (and, by the way, I’m not being completely sarcastic, because there are plenty of us with families who are VERY anxious!), you can go to www.wahealthplanfinder.org now and mess around with the “calculator,” to see if you and yours might be eligible for subsidies and get in the ballpark. Can you do the whole shebang, like actually shop and enroll? No, but you can begin to get a “feel” and begin to know what your “ballpark” might look like.

          STOP! (…again…) Do we all have to jump in the middle of this on Tuesday, October 1^st? No. “Open enrollment” will run through March 31^st of next year, but if we want health insurance coverage to be effective on New Year’s Day (January 1, 2014), then we need to get this done by December 31, because that will (a) get us health insurance, and (b) avoid any possibility of any “penalties.”

          Now, stop stopping and tell the truth: Some of us, if we’ve even made it this far through this column, are feeling overwhelmed. We may not have a computer or we may not have internet access or we may not feel like we understand any of this **** and we’re feeling scared/nervous/anxious and STUPID! “What if I get on that web site and don’t understand something and freeze-up and don’t know what to do and…or…??”

          “What if?” Nothing, that’s what. Nothing bad will happen, except that you won’t be able to accomplish what you’d hoped to accomplish, so there will be a number of folks, like us, who will be able to help walk you through this, IF you want help.

          Somebody somewhere decided to call us “In-Person Assisters” (…sigh…Well, Lord KNOWS, I’ve been called worse), but it isn’t necessary that you remember that. It is necessary that you remember that there are folks who can and will help you. You can call any of the numbers at the end of this column, you can get help through the Jefferson County Health Department, or through Jefferson Healthcare, or through Olympic Medical Center, or through Planned Parenthood or through VIMO (Volunteers in medicine of the Olympics) or through Forks Community Hospital. (Note: There will be a “town hall” meeting on all of this in Forks, next Monday, September 23^rd, from 7:00 to 8:30 p.m. at the Forks Elks Lodge, free).

          “In-person assisters,” like us, will not try to sell you anything. We won’t tell you which plans to buy or not buy, or what you “should” do. We will help you navigate this thing (if you want help), help you understand what you’re looking at and help you understand what decisions you need to make and what those decisions will mean – Beyond that, it’s your call, because it’s your life. And you won’t have to decide everything at one time, unless you’re ready.

          Sometimes, if you’re me (and most of you aren’t), it’s a bit of a relief to stop talking about something and just get on with it!

          Let’s get on with it.

           



Peninsula Daily News Column 9-12-2013 "Even more ‘Obamacare” information"

ObamaCare!

          Yes, here we go again. Here we go again, because even if those of us who boast “Elder status” are already enmeshed in Medicare (or whatever) and don’t have to deal with this, we have kids and grandkids and nephews and nieces and friends who do (or should), and it’s still our job to show them the way, so quit yawning and sighing and PAY ATTENTION!

          This is about people who don’t have health insurance getting health insurance. Health insurance pays (to one degree or another) for healthcare, so let’s talk about what healthcare this health insurance is going to cover.

          Some of us have heard about “bronze plans” or “gold plans” or whatever – What’s that about? Well, these are just “levels” of insurance, measured by the dollar-amount of coverage that a plan will pay, so bronze = 60%, silver = 70%, gold = 80% and platinum = 90%; thus, if you go to a doctor for a covered service, a “silver plan” will pay (more or less) 70% of that bill, get it?

          There will not be any platinum plans in Washington in 2014 – I don’t know why.

          Let’s backup and begin to put this together. Last week I went on about levels of “help” that will be available to purchase this health insurance. The first level of “help” was (Is!) Medicaid. Medicaid is Medicaid is Medicaid; in other words, Medicaid covers what it covers (and doesn’t cover what it doesn’t cover), and that’s that for that – You don’t need to decide anything.

          The next level(s) of “help” is through tax subsidies – Coming back to you? OK, so what these tax subsidies subsidize (or don’t subsidize, if your income is above the levels I assaulted us all with last week) are the purchase of “qualified health plans,” which means health insurance plans that have been reviewed up one side and down the other by the Washington Health Benefits Exchange, holding hands with the Washington Office of the Insurance Commissioner.

          Said plans had to meet all kinds of conditions and eliminate the dreaded “fine print” and what-not. They also have to provide (at a minimum – by law) “10 Essential Benefits,” so this where we STOP thinking about money and mandates and penalties and politics and START thinking about what helps people we love. These 10 benefits are:

1.     Ambulatory patient services – Going to the doctor or clinic or whatever – NOT in the hospital!

2.     Emergency care

3.     Hospitalization

4.     Maternity and “newborn” care – Think about that, Mr.

5.     Mental health and substance about services – Think about that.

6.     Prescription drugs

7.     Rehabilitative and habilitative services and devices – Something very bad happened, so now you have to relearn how to do things (e.g. walking, etc). “Habilitative” means services that help you to keep the skills/abilities you’ve got or actually increase them.

8.     Lab services – Tests, etc.

9.     Preventive and “wellness” services – Including regular physicals, immunizations, managing “chronic conditions,” etc

10. Pediatric services for kids under 19 – There will be add-ons for dental and vision, too.

OK? So, the “bronzes” and the “silvers” and the “golds” ALL have to offer at least these benefits, and will generally pay 60%/70%/80% of their costs – Coming together?

For those of you who are new to the netherworld of health insurance, almost NO health insurance pays 100% of almost anything – No health insurance pays 0% of everything.

This is still a few weeks away (October 1^st is “go live”), so we’ll talk more about the “how” and “who can help,” so just try to let this all sink-in; for now, consider this: Most of us have car insurance, hoping that we’ll never need to use it; personally, I’d rather have it and not need it than need it and not have it.



Peninsula Daily News Column 9-5-2013 "It's time to 'get' Obamacare"

ObamaCare!

          Don’t panic. Yes, I did start a column on this same subject in this same way a couple of weeks ago; Yes, this is a different column, so – No! You haven’t “lost it” (at least, as far as I know).

          The object of the game here is to e-a-s-e our way into this thing, rather like sticking one-toe-at-a-time into the very cold water, so grit your teeth and go boldly.

          What we’re talking about here is the health insurance “mandate” that kicks-in on January 1, 2014. IF you are on Medicare, or Medicaid, or Tri-Care or VA or already have health insurance through your employer that is fairly decent or what-not, you already have health insurance, so will not be required to go get health insurance, so none of this will apply to you; HOWEVER, if you happen to know, like or love anyone who doesn’t have any of these, the “mandate” will apply to them, so cut this out and tape it to their toilet, or any other equally popular site in said insuranceless person’s abode.

          A lot of people are pretty focused on “THE PENALTY,” and Yes: There is a penalty. What many of us have heard is that for 2014, the penalty is $95.00, so many of the “young invincibles” (who are young, but NOT “invincible”) are expected to say, “Well, that’s cheaper than buying health insurance, so forget it.”

          OK, but here’s the rest of that sentence: The penalty is $95.00 per adult, plus $47.50 per child, up to a maximum of $285.00 per family OR 1% of income; potentially, that “1%of income” could be considerably more than $95 AND said Young Invincible could walk away with health insurance.

          By the way, in 2015, THE PENALTY jumps to $325 per adult, maxing-out at $975 per family or 2% of income, then jumps again in 2016, so we might as well start figuring this out now. Those of us who are neither “young” nor deluded into thinking that we’re invincible, and who don’t have health insurance will be subject to this same penalty, so don’t write this off as the exclusive problem of clueless, 27-year-old males.

          That’s the “stick” – What’s the “carrot?” Well, for many uninsured folks, there will be help paying for this new thing called “health insurance;” specifically, Medicaid (NOT Medicare – Medicaid) will expand. What that means is that folks whose budgets are pretty darned tight could get insurance for free. For instance:

          If the household is 1 person (just you), and your income is at or below $15, 856, you’re probably eligible for this “new version” of Medicaid. I purposely say “new version,” because even if you’ve applied for Medicaid before and got turned down, this is a NEW critter, so you’re starting over.

          If the household is 2, the income cut-off is $21,404. If there are 3 of you, annual income at or below $26,951 gets you into Medicaid and for 4 of you, $32,499 ($2,708/month) – It goes on, but this is getting boring, and I’m sure you’ve got the drift by now.

          I know what some of you are thinking. You’re thinking, “Oh, PIFFLE! That kid of mine makes just slightly over those amounts!” OK, try this:

          The next level of “help” is through tax credits, that could be applied to the health insurance premiums or taxes or whatever is best. These, too, are “tiered,” and we could get lost in a visual blizzard of numbers here, so allow me to cut to the “high end:” If you’re alone, and you’re income is $44,680 or less, you could get some help. If there are two of you, think $60,520, and for a family of four, think $92,200.

          Being the omniscient column-producer that I am, I know what some of you are thinking now – You’re thinking, “REALLY? (That could really help!).” Others are thinking, “REALLY? (That’s an abomination!).”

          I’m thinking, “Yes, REALLY” – And this is another one of those junctures where this whole conversation could get very political, and I have no intention of getting “political,” because that’s not my job. This is the law, and the law is in effect; thus, my job (OUR job) is to help people get to where they need or want to go. Do I think this will help some people? Yes. Do I think this is a perfect law? No. Do I think it’s time to stop beating it to death and get on with it? YES!

          Look, there are many of us who haven’t been able to afford (or get) health insurance, so what happens is that many of us can’t get healthcare because we don’t have health insurance, so we do without; THEN, we get sicker (or the family does) and we end up in the ER room and…Right: The circle goes ‘round, and people suffer, so let’s get on with this.

          This whole thing begins on October 1^st, so we still have a little while to try to “get it.” We, and plenty of other good folks in our communities, will be available to help – For free! – If you need it or want it, so for now, just try to understand the “big picture,” and think: Think about you, and the people you love and the people you know, who are going to be needing to navigate this, because once again, my friends, there will be absolutely nothing “blissful” about ignorance.