Health care: Trump takes last swipe at Affordable Care Act before Election Day

The Centers for Medicare and Medicaid Services on Sunday gave the state permission to stop using the federal exchange, Healthcare.gov, for enrollment in the individual market and shift to a private sector Georgia Access Model, starting in 2023.

State officials argue that the move will give residents access to a broader array of options from web brokers, health insurance companies and agents — which will have a greater incentive to enroll consumers in coverage. They estimate the waiver will lower premiums and increase enrollment by 25,000 people.

Advocates, however, fear that it could shift healthier people to less comprehensive, non-Obamacare plans and leave those with pre-existing conditions facing higher premiums for Affordable Care Act policies. Plus, consumers could unknowingly sign up for skimpier policies.

“Consumer could end up in insurance plans that don’t cover everything they think it would cover,” said Tara Straw, senior policy analyst at the left-leaning Center on Budget and Policy Priorities.

Share your story: How have you been helped or hurt by Obamacare?

What’s more, the Georgia waiver would eliminate residents’ ability to go to a single website to see all their options. Instead, they would have to navigate a fragmented system of broker and insurers — similar to what existed prior to the landmark health reform law, Straw said. This would likely decrease coverage and raise premiums.

The waiver does not meet the federal requirements for approval, including covering as many people with the same affordable and comprehensive coverage as without the waiver, Straw said. This will open up the approval to legal challenges.

The agency opened the door for states to create alternatives to Obamacare in 2018. The Peach State, which has the nation’s third highest uninsured rate at 13.4%, is the first to seek this enhanced power to reshape its individual market.

About 433,000 Georgians were enrolled in Obamacare exchange plans, as of February, according to federal data.

The approval came on the same day as open enrollment for 2021 began and 10 days before the Supreme Court is set to hear oral arguments in a case that could bring down the law.

The Trump administration is backing a coalition of Republican-led attorneys general, including Georgia’s, who argue that Obamacare’s individual mandate was rendered unconstitutional after Congress reduced the penalty for not having insurance to zero as part of the 2017 tax cut law. As a result, the entire health reform law must fall, they argue.

Health care has taken center stage in the 2020 presidential campaign. Former Vice President Joe Biden’s campaign has hammered President Donald Trump for trying to take down the law and its protections for those with pre-existing conditions. Trump has repeatedly said he has a replacement plan that would continue those safeguards but has yet to produce one.
The administration has pursued multiple avenues to overturn the Affordable Care Act in its first term. After efforts to repeal the law in Congress failed in 2017, officials started undermining it from within, including shortening the annual enrollment period to
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Citing cancer experience, Ron Rivera advocates for Affordable Care Act

“We need to have the Affordable Care Act, whether in its current structure or it’s been changed or corrected or fixed or being added onto,” Rivera said. “We need to have something for the folks of the United States of America. For us not to have affordable, quality healthcare, and be the richest nation in the world, that’s kind of disappointing.”

On Monday, Rivera spoke at length about the importance of voting in Tuesday’s election, as well as democracy writ large. He said it’s been “really cool” to hear players discuss current affairs, and he noted that the spectrum of political ideologies in the locker room was “huge.” The enthusiasm for engagement was echoed in a Monday blog post by team president Jason Wright, who wrote the team believed in “big, meaningful and comprehensive community activities versus a collection of small one-off ventures.”

“For example, we will continue to have a robust set of activities around social justice because the players on our team and our employees care about those issues,” he added. “Voting is one component, but there is much more we can and will do.”

Rivera reiterated Monday the importance of participation in democracy, saying that the thing that bothers him most is when people don’t vote. In past years, Rivera has gotten up early to be one of the first people at the polls. He loves the “I voted” stickers. This year, he and his wife Stephanie and daughter Courtney filled out their ballots and put them in the mailbox. On Tuesday, he said he plans to turn the television on around 5 p.m. and click between local and national stations to monitor elections.

“People always ask me: ‘Who did you vote for?’” the coach said. “I always tell them, ‘I voted American.’ I believe I voted for who I believe is going to be the best person for us.”

After his cancer diagnosis in July, Rivera has become an advocate for improved healthcare. The coach has grown more outspoken over the last three months, and he’s sometimes gone as far to call for “universal” healthcare. The message on Monday was more tempered, framed around the ACA, but the root of his activism remains personal. Rivera, 58, is now one year older than his brother Mickey was when he died of pancreatic cancer in 2015.

This season, the coach has been limited at times by chemotherapy and other treatments. He’s thought about others in the same fight during his time in the hospital, those who might not have a five-year contract worth millions.

“After seeing what I went through, and knowing what the cost has to be, you worry about the folks that can’t afford what I had,” he said. “I almost don’t want to say it’s unfair, but it is. These folks deserve every opportunity [to receive quality healthcare]. It just kind of struck a chord with me.”

On Monday, the coach mentioned an upcoming fundraiser for Inova Health System, the Northern Virginia hospital company where

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Dr. Sherry Powell, Dentist In West Columbia SC, Provides Gentle, Affordable Dental Care For The Family – Press Release

Dr. Sherry Powell, Dentist In West Columbia SC, Provides Gentle, Affordable Dental Care For The Family

Dentist Dr. Sherry Powell is considered to be among the best dentists in West Columbia SC. As a gentle family dentist for the community, Dr. Powell has the expertise to offer services such as dental cleanings, porcelain veneers, composite fillings, etc.

According to announcements released by Dr. Sherry Powell, this dentist in West Columbia SC provides expert dental care in a comfortable and peaceful environment. Her services are affordable and include dentures, teeth whitening, root canal, veneers, dental implants, and family dentistry. Patients can book same-day appointments and meet with her to discuss oral health issues and develop a dental health plan.  

Dr. Sherry Powell is trusted by families to address children’s dental health issues. Children need to learn about proper oral care from an early age. Periodic dental check-ups are an excellent way to apprise them of the right way to maintain oral hygiene, prevent dental caries, and ensure that their gums and teeth stay healthy for life. Through her pediatric dentistry experience, Dr. Powell enables children to grow up healthy, speak clearly, and smile confidently.

Dr. Powell helps her patients gain an alluring smile through porcelain veneers, which are thin shells of ceramic attached to the front portion of one’s teeth. This cosmetic dental enhancement is highly durable and can last for up to 25 years with very little maintenance. Veneers are a very agreeable solution for malformed, discolored, and misaligned teeth. 

The clinic of this dentist near me is also a popular choice for teeth whitening. Both men and women have benefited from Dr. Powell’s services by acquiring whiter teeth that no longer exhibit the stains from sodas, caffeine, and food colors.

For more information, go to https://www.dentistdrpowell.com/

Dr. Sherry Powell said, “Our team offers our patients full service dental care that addresses their every dental need. From routine dental cleanings to teeth whitening, we offer it all under one roof to save you the time, money and the hassle of bouncing between multiple specialists. We believe in offering high quality, professional dental care with compassion and a soft touch. We offer dental care that is gentle, relaxing and above all, exceptional. From the moment you walk in our doors, we aim to put your mind at ease that your teeth are in the best hands possible. We treat each patient with the care and kindness that we would our own family.”

On dental cleaning services provided at the clinic, Dr. Powell said, “Your teeth are one of the most important features which should be kept healthy and beautiful. To maintain it, you need to have a regular oral check-up just like body check-ups. These check-ups may involve cleaning of teeth, removing a cavity, fixing a broken tooth, teeth whitening, etc. Researchers have shown that problems related to the teeth and gums can indicate some major health issues in the body, so regular check-ups are important.

If you live in West Columbia or a nearby region, you will be glad to know that Dr Sherry Powell is

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Affordable Care Act: Trump keeps chipping away at Obamacare with only weeks until the election — and a Supreme Court hearing

The administration this week approved Georgia’s waiver request to provide Medicaid coverage to certain low-income residents if they work or participate in other qualifying activities for at least 80 hours a month. It’s the latest state to receive permission to require work as a condition of coverage, though implementation elsewhere has been halted by federal courts or state officials.

Also, the Centers for Medicare and Medicaid Services announced it had completed its review of Georgia’s more controversial request to make fundamental changes to the state’s Affordable Care Act exchange. The agency, which opened the door for states to create alternatives to Obamacare in 2018, is still finalizing the terms for approval.

The Peach State, which has the nation’s third highest uninsured rate at 13.4%, is the first to seek this enhanced power to reshape its individual market.

Georgia and federal officials say that these efforts will make coverage more available and affordable to residents, but consumer advocates say they are the latest attempts to undercut the law.

“It’s a road map of what they would allow were the ACA to be struck down and were they to win election again,” said Judy Solomon, senior fellow at the Center on Budget and Policy Priorities.

These moves come as health care takes center stage in the 2020 presidential campaign. Former Vice President Joe Biden’s campaign has hammered Trump for trying to take down the landmark health reform law and its protections for those with pre-existing conditions. Trump has repeatedly said he has a replacement plan that would continue those safeguards but has yet to produce one.
Also, Trump’s Justice Department is backing a coalition of Republican-led attorneys general, who argue that Obamacare’s individual mandate was rendered unconstitutional after Congress reduced the penalty for not having insurance to zero as part of the 2017 tax cut law. As a result, the entire health reform law must fall, they argue. The Supreme Court will hear oral arguments in the case on November 10.
The administration has pursued multiple avenues to overturn the Affordable Care Act in its first term. After efforts to repeal the law in Congress failed in 2017, officials started undermining it from within, including shortening the annual enrollment period to obtain coverage on the exchanges and slashing the budget for outreach and assistance. It also broadened the availability of alternative plans, primarily short-term health insurance policies that typically have lower premiums but are allowed to base coverage and premiums on people’s medical histories.
Also, officials took the unprecedented step in 2018 of allowing states to institute work requirements in Medicaid, a longtime Republican goal. However, the effort has been set aside by federal courts in four states, prompting the six others that had received approval (prior to Georgia) to stop implementation. Another eight states are awaiting permission from the Centers for Medicare and Medicaid Services.

What Georgia wants to do

Georgia is not looking to expand Medicaid under the Affordable Care Act. The waiver only applies to those earning up to

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The Affordable Alternative to Traditional Individual Health Insurance

As a way to begin let’s define what I mean by traditional health insurance. The traditional health insurance policy is composed of:

The deductible – This is the amount that you have to pay for a medical event before your health insurance will start to pay. In today’s world that deductible is often $3000 or more.

The coinsurance – After the deductible is met most policies require that the insured pay a percentage of all medical costs up to a maximum. Usually the insured pays anywhere from 20% to as much as 50% of every dollar billed.

The copays – In an attempt to make routine health care accessible many policies include a copay for doctor visits and prescriptions in lieu of having to meet a deductible. An example of this is the $10 office visit copay.

Maximum Out-Of-Pocket Costs – This is the most that an insured can expect to pay regardless of how large the medical bills are. As a general rule the maximum out-of-pocket costs for an individual are limited to around $7000. This can be a very misleading number because it assumes that all of your providers are in your network. If they are out of network your costs can be significantly higher.

And finally the “Network” – Virtually every traditional individual health insurance policy is tied to a network of providers. The narrower the healthcare network, the lower the premium. There is too much wrong with “networks” for this article. Suffice it to say that “networks” are the enemy of the healthcare consumer (you).

The Problem Facing Working Americans

The problem is simple: health insurance premiums are too high for most working Americans in the absence of a subsidy and when combined with extremely high deductible and out of pocket costs, healthcare becomes unaffordable. Let’s look at a couple of examples right here in North Carolina.

A non-smoking couple ages 62 and 63 find that their lowest premium option with BCBS of NC is $1999 a month for a $13,300 family deductible with no copays. A plan with a $7000 deductible and $25 office visit copays would cost $2682 per month.

Assuming the least expensive plan the annual cost would be $23,988 annually. And if either person had a medical event such as cancer, the actual cost for healthcare would be $37,288. You have to ask: “Why even have health insurance?”

A non-smoking 30 year old couple found that the least expensive plan would cost $787.84 a month for a $13,300 family deductible with no copays. The least expensive plan that included copays was $1056.88 but had a $7000 deductible and the most restrictive network. Assuming the least expensive plan, should either member of this young couple have a medical event their total annual cost (deductible + premium) would be $16,454.08. That is a devastating amount of money for a young couple.

The simple solution to this problem is a Fixed Benefit Health Insurance. Unlike a major medical policy where the policy pays for all …

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Tips on How to Find an Affordable Dentist

It is always recommended that we visit our dentists at least twice a year, regardless whether you have existing dental problems or not. This is to keep our teeth and gums healthy. However, dental checkups and services can be costly. What if you do not have budget for such thing? Then, it is important that you know how to find an affordable dentist in your area.

Having healthy gums and strong teeth are as important as having a good hygiene. Imagine if you have discolored teeth and crooked teeth, will you be able to smile? Of course not! With white and cavity-free teeth, you will have no problem showing your gorgeous smile. Not only it helps you look good, it also make you feel good, thus increase your self-confidence.

However, finding affordable dentist nowadays can be hard especially if you do not have dental insurance. That is why a lot of people would only visit the dentist when they already have serious problems, almost or too late.

So, here are some tips on how you could find an affordable dentist to help you out. Check out each of them to get low cost or even free dental checkups.

  1. Visit your local dental societies. Check local societies in your area to gain access to nearby private clinics that offer affordable dentist and expensive dental care services. You may also want to call the ADA official site for a list of dental society records with their contact details.
  2. Visit dental schools. Do not expect it like a clinic-type of service though. Being a teaching institution, you will be given attention from a knowledgeable and competent dental apprentice. Dental schools pay extra attention to dental care so they often offer free checkups or cheaper price. For more information, you may visit the American Dental Association website for a complete list of dental schools.
  3. Obtain benefit of government lineup and financing. The Federal Health Resources and Service Administration provide line up along with its Bureau of Primary Health Care. The institution manages the organization of treatment centers nationwide. These clinics offers affordable dentist and even free medical and dental care services.

On the other hand, if you have all the requirements and the credentials for a discounted or no cost dental care for your state’s Medicaid plan, then you may want to avail it. The rules may vary from state to state though as some do not offer dental services. It is therefore important that you contact or visit the Medicaid website to find out more.

By following these tips, you will definitely find the right and most affordable dentist or dental clinics that will fit your budget.

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