Questions about Public health care insurance are answered here


Here in the USA we have been incurring twice the cost for health care that the rest of the “industrial world” is experiencing and we are not providing health care to anywhere near the percentage of the population that are cared for by their systems. Having passed its test in the U.S. Supreme Court, the Patient Protection and Affordable Care Act, of 2010, or ACA, is the law of the land. If enacted as passed and used well by us, it will add 1.6 million new jobs, increasingly and very substantially reduce the deficit, and give all citizens and legal aliens worry free affordable health care. For an easy summary click here.

Welcome to the

Affordable Care Act Digest

A Patient Centered Website

that is centered on a digest of the benefits of the new health care reform law that directly affect individuals. For a  printable copy click here.

Being healthy starts with each of us taking control and owning our own good health. So  I encourage you to sit down with your doctor or health care provider and talk about what you can do to take control of your health. Pat Kittler, Publisher

Find your health care options

Find out which private insurance plans, public programs and community services are available to you.

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“ACA Digest” is the heart of the web site. It addresses individuals generally and attempts to digest all of the most important provisions of the law. Some of the digest’s captions at the top of this page are organized according to categories of persons they address. Others address special interests such as Medicare, etc. The daily health news from the Kaiser foundation is there, along with special pages for important issues like preventive care, cost management policy and local implementation progress. If something is missing let us know.

If you need help finding medical care, it’s here. If you want to learn what the Affordable Care Act offers you or the country, it’s here. We offer you an opportunity to look at the facts, decide whether they are presented fairly and well authenticated and make a decision for yourself? Our ACA Digest, on this web site, is designed to help everyone live better and vote better by making the content of the health care reform Affordable Care Act , or ACA, or Obamacare easily and quickly understood.  We believe that the content speaks for itself and are mystified at the fact that its legislative supporters are not taking more credit for the jobs, deficit reduction, student aid, coverage and primary health care expansion, plus quality and cost management features that neutral authorities see in  the law. They need to do that. As we move ever more deeply into the election year search for high political office, the truth will move ever more deeply out of sight unless those who are advantaged by truth insist upon it. Political candidates owe us their opinions, honestly stated.They need to support these with facts honestly stated. The digest is an honest statement of the Affordable Care Act (ACA).

Health Plans Must Provide Consumer-Friendly Health Plan Summaries By This Fall  credit for the following is to Kaiser Health News 2/10/12

Moving to implement one of the new consumer protections in the health law, the Obama administration issued regulations Thursday requiring insurers to describe costs and benefits in clear, standardized language.

Los Angeles Times: New Rules For Health Plans Require Clear Summaries Of Benefits
Starting this fall, insurers and employers that offer health coverage will have to provide a six-page form that summarizes basic plan information, such as deductibles and co-pays, as well as costs for using in-network and out-of-network medical services (Levey, 2/10).

The Wall Street Journal: New Consumer Insurance Forms To Start In September
The Obama administration released finalized new rules for how health insurers describe what their plans cover Thursday, and told insurers that they have until September to prepare the documents for the new open enrollment season. ... The requirement, part of the health care overhaul law, is popular with consumers who hope they will be able to cut through pages of complicated small print and understand their coverage. But employers and insurers say that changing the way they explain insurance could be expensive and lead to more confusion (Radnofsky, 2/9).

Kaiser Health News: HHS Unveils Final Design For Insurance Labels
The Obama administration Thursday unveiled final regulations for new health insurance summaries that the federal health law requires plans to give to consumers to help them make informed coverage choices (Jaffe, 2/9).

Associated Press: Feds Require Consumer-Friendly Health Plan Brief
Don't have the slightest clue what your health insurance covers? The Obama administration says that's going to change. Officials announced Thursday that starting later this year private health plans will have to provide consumers with a user-friendly summary of what's covered, along with key cost details such as copays and deductibles. Just six pages long. No fine print. And because the summaries will use a single standard format, it will allow "apples to apples" comparisons among health plans that aren't possible now. That will help working spouses trying to pick between employer plans, as well as people who buy coverage directly from an insurance company (Alonso-Zaldivar, 2/9).

Detroit Free Press: New Rules Call For Simpler-To-Understand Group Health Insurance Benefits, Costs
Starting Sept. 23, group health insurance policies in America must provide consumers and employers with a simple, easy-to-understand summary of benefits and costs. The new rules, announced Thursday, aim to eliminate confusing and technical language in policies “the size of a small phone book,” said Marilyn Tavenner, acting administrator of the Centers for Medicare and Medicaid, in announcing the changes Thursday. She said insurers “can’t bury in fine print” any substandard coverage. The changes will help employers and consumers make apples-to-apples comparisons of their health plan, she said (Anstett, 2/9).

If you are interested in short, easy to read, authenticated, resource rich, digests in which you can scan to find what is of most interest to you, click on the topics listed above.