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In the decade before the Affordable Care Act (ACA) became law, the cost of health insurance rose at an alarming rate. Even as wages stagnated and inflation remained low, health insurance premiums skyrocketed: in 2009, the average American could expect to pay more than twice as much for health coverage as she did 10 years earlier.
Under the Affordable Care Act, health plans are required to report on the percentage of premium dollars spent on clinical services and activities that improve health care quality (commonly referred to as the “Medical Loss Ratio”). Plans that do not meet a particular threshold (85% for plans in the large group market and 80% for plans in the individual and small group markets) must provide rebates to enrollees.
Before passage of the Affordable Care Act (ACA), insurance companies were free to spend large portions of consumer premiums on administrative costs and profits – rather than on health care. Thanks to the ACA, women are now getting more insurance coverage for their dollar as new rules require insurers to spend at least 80 percent of premiums on patients.
The Affordable Care Act (ACA) is the greatest advance for women’s health in a generation. It’s already improving the lives of millions of women and families, and will get even better with time.
Telemedicine is the delivery of any health care service or the transmission of health information using telecommunications technology. It includes videoconferencing, transmission of still images, patient portals, remote monitoring of vital signs, and more.
The National Partnership for Women & Families wants to again commend the Administration for the extraordinary effort that has gone into implementing the Affordable Care Act (ACA) to date. We have long advocated for reforms that ensure access to comprehensive, affordable health care for all women and their families, with an emphasis on the needs of lower-income women.
We strongly urge you to support women’s reproductive health programs in the Fiscal Year 2013 (FY13) appropriations process and to reject any policy riders and funding cuts that would limit access to critical women’s health services.
The accountable care organization began life as a catchphrase signifying a shift in the relationship between a hospital and its doctors. By forming an ACO, a hospital and medical staff shared clinical and financial responsibility for coordinating care to improve quality and lower costs.
We greatly appreciate this opportunity to comment on the Stage 2 Meaningful Use proposed rule. From the consumer perspective, health IT can be a critical enabler of safer, more effective and more reliable care, as well as greater consumer engagement in health – and, ultimately, more positive patient experiences and better health outcomes. The proposed rule specifying criteria for Stage 2 of the EHR Incentive Program makes significant advancements in the potential impact of the EHR Incentive program on individual and population-level health and health outcomes.
Traditionally, many private health insurers limit liability for costly health care claims by setting annual or lifetime limits on the total amount of money they will pay in benefits per enrollee – leaving patients responsible for all costs after they hit the cap. The Affordable Care Act (ACA) eliminates these limits so women and families are confident that their health insurance will be there when they need it most.
Individual consumers are the ultimate payers of all health care - and health coverage - costs. Even workers in large businesses, whose employer contributes 100% of the insurance premium for the employee, understand that their wages are reduced to reflect the cost of health coverage offered through their employer.
When a woman purchases a health insurance plan, she expects it will be there for her when she or a family member gets sick or injured. Unfortunately, this has not always been the case due to a troubling insurance industry practice known as rescission – retroactively canceling coverage, usually when an enrollee incurs high health care costs.
Older women rely on Medicare every day for affordable, quality health care. More than half of the 48.7 million Medicare beneficiaries are women.
Medicaid, the nation’s principal safety net health insurance program, provides critical health care for millions of lower income women, including many older women and women with disabilities.
Medicaid provides critical health care for millions of lower income women and children who otherwise would be uninsured. At all ages, women and girls make up the majority of enrollees in Medicaid.
The Affordable Care Act (ACA) makes it easier for women and families to stay healthy and avoid high health care bills down the road by requiring health insurers to cover preventive services without any cost-sharing (e.g. deductibles, copays, and co-insurance). This means that critical preventive services that women and families need to stay healthy will be more affordable. And down the road, it means that everyone will save money because the nation will be investing in preventing diseases and conditions, rather than treating them.
The National Partnership for Women & Families believes that no Peace Corps volunteer should have her life endangered because she cannot access a medical procedure that is safe and legal in the United States. We urge Congress to end the ban on abortion coverage for Peace Corps volunteers and trainees by passing Senator Frank R. Lautenberg’s Peace Corps Equity Act of 2013 (S. 813).
H.R. 3541, the Prenatal Nondiscrimination Act (PRENDA), formerly known as the Susan B. Anthony and Frederick Douglass Prenatal Nondiscrimination Act, purports to address the critical issues of race and gender discrimination by banning abortion based on the race or sex of a fetus.
Ensuring substantive and meaningful consumer participation in a health IT initiative can help facilitate adoption of patient-centered innovations, and ultimately, speed and enhance the adoption of health IT in a community.
For generations, women have faced discrimination in health care. A number of provisions in the Affordable Care Act (ACA) aim to address this long-standing problem.
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