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Ask Dr. Dunn: Affordable Care Act
Published
11 years agoon
By Maren Dunn, D.O. ExploreBigSky.com Health Writer
Is it true that preventive services like wellness exams, vaccines and birth control are now covered by my insurance plan?
– Nancy, Big Sky
The Affordable Care Act, aka “Obamacare,” has caused quite a stir in the health insurance marketplace. While it is a complex piece of legislation, many parts of the law have already gone into effect, producing multiple benefits for consumers.
Since 2011, preventive care for insured patients has been free. Deductibles and co-pays don’t apply to yearly wellness exams, most vaccines, or screening for things such as high cholesterol, diabetes and sexually transmitted infections. Cancer screenings through colonoscopies, mammograms and pap smears are also covered.
As of August 2012, ACA requires new or renewed insurance plans to cover the cost of birth control and sterilization procedures. For women, this includes oral contraceptive pills and intrauterine devices, among others. Breast-feeding support and supplies and routine pregnancy blood testing are covered at no additional cost. This means you will not be charged a co-pay at the pharmacy or in the office.
Insured people are also covered at no cost for screening and counseling services relating to alcohol abuse, depression, weight loss and domestic violence. Screening and treatment for tobacco use also falls into the preventive services category.
The ACA mandates accountability from insurance companies in order to protect you, the consumer. One example is the 80/20 rule: 80 cents of each premium dollar must be spent on your healthcare or improvements to care. If insurance companies fail to meet this standard, they must provide rebates to their customers. Over $1 billion has already been distributed back to consumers.
Additionally, if an insurance company wants to raise its premium rates by 10 percent or more, it must publically justify the increase while exposing this information. All 50 states have been given the power to review and block rate hikes.
If you’ve been denied insurance coverage due to pre-existing conditions, you’ve encountered a frustration that’s receiving attention. Under the ACA, state and federal insurance plans have been developed called Pre-existing Condition Insurance Plans. To qualify for a PCIP, you must be a U.S. citizen or legal immigrant, have been uninsured for at least six months, and either have a pre-existing condition or been denied coverage because of health problems.
Furthermore, the law states that children cannot be denied private insurance coverage due to pre-existing conditions. And if you’re 26 years old or younger, you can stay on your parents’ insurance plan. So far, this measure alone has allowed more than 3 million young adults to retain health insurance.
In the past, many people suffered financial consequences from hitting their insurance limits, or had their coverage dropped mid-illness. In response, the ACA outlawed lifetime cost limits. As of January 2014, yearly coverage limits will also be banned. Moreover, insurance companies cannot take away your coverage when you get sick.
The ACA also made many other changes to the healthcare industry. To find out more, visit healthcare.gov or call your insurance company. Be sure you and your family are taking full advantage of all benefits available to you.
To contact the state of Montana’s PCIP program, call (800) 447-7828 x2128 or visit mthealth.org/
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By the numbers
12,000 – number of Montanans under age 26 who gained insurance since 2011
166,000 – number of Montanans who gained free preventive services in 2011
140,400 – number of women in Montana who can now obtain free contraception and other women’s health services
$194 – average rebate Montana families with private insurance can expect from the 80/20 rule this year
345 – number of Montanans with pre-existing conditions now insured under the state’s PCIP
resource – healthcare.gov
Megan Paulson is the Co-Founder and Chief Operating Officer of Outlaw Partners.
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Saturday, March 23rd 6:00-8:00pm We will combine the heart-opening powers of cacao with the transcendental powers of breathwork and sound. Together, these practices will give us the opportunity for a deep
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Saturday, March 23rd 6:00-8:00pm
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March 23 (Saturday) 6:00 pm - April 23 (Tuesday) 8:00 pm
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Santosha Wellness Center
169 Snowy Mountain Circle
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We all are familiar with using a limited palette, but do you use one? Do you know how to use a
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We all are familiar with using a limited palette, but do you use one? Do you know how to use a limited palette to create different color combinations? Are you tired of carrying around 15-20 different tubes when you paint plein air? Have you ever wanted to create a certain “mood” in a painting but failed? Do you create a lot of mud? Do you struggle to achieve color harmony? All these problems are addressed in John’s workbook in clear and concise language!
Based on the bestselling “Limited Palatte, Unlimited Color” workbook written by John Pototschnik, the workshop is run by Maggie Shane and Annie McCoy, accomplished landscape (acrylic) and plein air (oil) artists,exhibitors at the Big Sky Artists’ Studio & Gallery and members of the Big Sky Artists Collective.
Each student will receive a copy of “Limited Palette, Unlimited Color” to keep and take home to continue your limited palette journey. We will show you how to use the color wheel and mix your own clean mixtures to successfully create a mood for your paintings.
Each day, we will create a different limited palette color chart and paint a version of a simple landscape using John’s directives. You will then be able to go home and paint more schemes using the book for guidance.
Workshop is open to painters (oil or acrylic) of any level although students must have some basic knowledge of the medium he or she uses. Students will be provided the book ($92 value), color wheel, value scale and canvas papers to complete the daily exercises.
Sundays, April 14, 21 and 28, 2024
Noon until 6PM.
$170.
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14 (Sunday) 12:00 pm - 28 (Sunday) 6:00 pm
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Everyone is invited to join us in celebrating 2 years of arts education in the BASE Art Studio with us! Take a tour
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Everyone is invited to join us in celebrating 2 years of arts education in the BASE Art Studio with us! Take a tour of the studio, meet our instructors, and meet other artists of all levels in our community. We’ll be getting creative and you’ll have the chance to make your very own artful button pin.
Stick around for our Volunteer Appreciation and Social beginning at 6:30 p.m.!
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(Thursday) 5:30 pm - 6:30 pm
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BASE
285 Simkins Dr