NRS 440VN Week 2 Topic 2 DQ 1

The Patient Protection and Affordable Care Act (PPACA) was passed into legislation in March of 2010. Identify the impact of this legislation on your nursing practice by choosing two key nursing provisions outlined in the American Nurses Association “Key Provisions Related to Nursing” summary at http://www.rnaction.org/site/DocServer/KeyProvisions_Nursing-PublicLaw.pdf?docID=1241&verID=1. Discuss how these two provisions have impacted, or will impact, your current practice of nursing.

ADDITIONAL INFORMATION 

The Patient Protection and Affordable Care Act (PPACA)

Introduction

The Patient Protection and Affordable Care Act (PPACA) was signed into law in 2010. It was designed to make it easier for Americans to get health insurance, improve the quality of care, and lower costs for everyone. The PPACA has helped millions of patients across the country gain access to affordable quality medical care that otherwise would not have been available.

The Patient Protection and Affordable Care Act (PPACA)

The Patient Protection and Affordable Care Act (PPACA) is the official name of the health care reform law. It was signed into law on March 23, 2010.

The PPACA is also known as Obamacare because it is a federal law that requires individuals and employers to have health insurance.

What the PPACA Means for Americans

The Patient Protection and Affordable Care Act (PPACA) is a sweeping law that was signed into law in March 2010. The PPACA will affect every American citizen and resident, including you!

The PPACA means more access to health care, more control over your own health care decisions, better benefits and lower costs for everyone who has insurance through their employer or the government.

Some of what’s changing include:

Young Adults Can Stay on Parent’s Insurance up to age 26.

Young adults can stay on their parent’s insurance up to age 26.

You may be able to get health insurance through your employer, or you can buy it yourself—but if you do neither, you’ll still be required to pay a penalty for being uninsured.

The penalty is $95 per month (or 1% of household income) for each month that you have been uninsured since October 1, 2008—the date PPACA became law. That means someone who was uninsured all year would owe $1,655 for 2014 – 2015 alone!

Insurance Companies Cannot Drop You Due to Pre-existing Conditions.

If you have a pre-existing condition, the insurance company cannot drop you.

The law protects people with pre-existing conditions like asthma and diabetes by requiring that health plans cover these conditions at the same level as other medical services. If an individual has been uninsured for some period of time and later enrolls in a health plan through a Marketplace, he or she will be eligible for financial assistance to help pay for coverage if they do not qualify for Medicaid under state law.

Insurers Cannot Set Lifetime or Annual Limits on Most Health Benefits.

In addition to lifetime and annual limits on health coverage, insurers cannot impose limits on the amount of care a person can receive. This is true for both preventive services and treatment of illness or injury. In other words, once you have been diagnosed with cancer or heart disease and are eligible for benefits, your insurer cannot cap the amount of money it will pay out during treatment (or even after).

As long as you maintain eligibility under this law, your insurer cannot cut off your coverage at any point in time!

Also note that while most plans must cover certain essential services like hospitalization (and sometimes outpatient surgery) they don’t necessarily have to cover everything else at their discretion—they are still allowed some level of flexibility when it comes down selecting what kinds medical care gets covered by employees/students/etcetera who need help paying for it themselves; but if someone does need emergency room visits then those costs could quickly become unaffordable without insurance coverage altogether

More Americans Will Be Eligible for Medicaid.

One of the biggest changes that the PPACA makes is to expand Medicaid, which is a joint federal and state program. Before this expansion, Medicaid was only available to people with low incomes within their own state. The law now allows states to expand Medicaid eligibility to anyone earning less than 133% of the poverty line (about $33,000 for an individual).

When you earn too much money to qualify for Medicaid but don’t have health insurance through work or other means, you’re considered uncovered—and you’ll end up paying more in taxes if you get sick while uninsured than if your employer provides coverage. If an uninsured person gets sick and doesn’t pay his or her share of medical bills out-of-pocket, they could face huge fines imposed by third parties like hospitals or clinics.

Preventive Care is Free for Most Americans.

The Patient Protection and Affordable Care Act (PPACA) requires that preventive care be covered by all plans, at no cost to you. That means you can visit your doctor or nurse practitioner without worrying about paying out of pocket for any services they provide. Preventive care includes vaccinations, screenings, checkups, well visits and dental checkups—and yes, even folic acid supplements!

If you are uninsured or underinsured through your job or government programs like Medicaid or MedicarePart D Prescription Drug Program (PDP), these free preventative services will still be available to you through the Marketplace coverage plans offered by insurance companies as well as state-based exchanges where residents can purchase private health insurance coverage directly from an insurer instead of having it provided through their employer.

Small Businesses Will Receive a Tax Credit to Provide Insurance for Employees.

You may be eligible for a tax credit to help pay for insurance. The credit is available to businesses with fewer than 25 employees, and it increases as your company size increases.

The maximum tax credit you can receive is $2,000 per employee if you provide health coverage through an employer-sponsored plan that offers minimum value and if at least 50 percent of your full-time employees (those working 30 hours per week or more) are covered by the plan. If less than 50% of the employees are covered by this plan, then the maximum amount will be reduced by 50% of what would have been otherwise awarded under this rule.

Most Americans will be Required to Have Health Insurance.

The Patient Protection and Affordable Care Act (PPACA) requires most Americans to have health insurance. If you don’t, the government will provide a subsidy for your monthly premium that’s equivalent to about 1/3 of what you’d pay in premiums if you did.

The law also has penalties for people who don’t get covered—but these are different depending on your income and whether or not someone else is helping cover some of the cost.

There are exemptions from these penalties as well, so if it comes down to paying more than $695 per month (or $1,085 per year) for coverage but having too much debt or other reasons why paying that amount would be difficult for them then they could get an exemption from paying any penalties at all!

The PPACA is designed to improve access to medical care

The Patient Protection and Affordable Care Act (PPACA) is a comprehensive health care reform law that was signed into law by President Barack Obama on March 23, 2010. The PPACA has many provisions designed to improve access to medical care and reduce costs.

The PPACA provides funding for the expansion of primary care services, such as family planning services and screenings for diabetes, hypertension or other chronic diseases. It also allows states to extend Medicaid coverage to low-income adults who previously were not eligible because they made too much money or lived in certain areas where there were few providers available — both groups who could benefit greatly from these types of services!

Conclusion

The Patient Protection and Affordable Care Act (PPACA) is a law that was passed in 2010. It has many benefits for Americans, including more affordable health care and prevention of financial hardship due to unexpected medical bills. The PPACA also makes it easier for young adults stay on their parent’s insurance until they reach 26 years old, prevents insurance companies from dropping people with pre-existing conditions, increases access to Medicaid services by millions of Americans who would otherwise be uninsured or underinsured due income constraints and provides preventive care free at no cost for most individuals.

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