Showing posts with label ACA. Show all posts
Showing posts with label ACA. Show all posts

Saturday, October 12, 2013

Emergency Care under Obamacare

Dr. Jitesh Chawla speaks from personal experience as a physician who as frequently worked in emergency rooms/  

   "Packed waiting rooms and we will have to see 50 patients or more in a shift," answered one emergency room physician.  This was in response to my question of how the Affordable Care Act will affect the volume of patients that a provider in the ER will see.  Many experts speculate that the expansion of Medicare under “Obamacare” will allow more people in the country to access the healthcare system.  These same experts believe that the people who receive this access will flood emergency departments around the nation in record numbers for conditions that are not emergent, causing physicians to be overworked.  In this article we will examine claims from the experts and also specific examples in the bill that pertain to our subject matter.  Hopefully we will shed some light on the subject as we move forward.

     So why the panic over the expansion of Medicaid? Many commentators cite numbers in a recent CDC report 1 that show that recipients of Medicaid visit emergency rooms twice as much as the uninsured.  The program is being expanded for people between 19 and 65 years of age that meet the required criteria and this will allow millions of new people the opportunity be covered.  With this, many believe that these new recipients will run to the ER anytime there is a problem that could be treated by a primary care physician. The question comes down to human nature and people can speculate but no one can accurately predict the future.

      What are the commentators saying? Well there seems to be many differing opinions, most based on political leanings.  The fact remains that the Affordable Care Act has been upheld and it is a reality.  Whether you agree with the bill or not, it will affect you and your practice.  According to a paper done in 2010 by John Goodman, CEO of the National Center for Policy Analysis, the rise in emergency room volume is inevitable.  Goodman concludes that the expansion of Medicaid under “Obamacare” will insure an additional 32-34 million people. Using past projections of emergency room visits, Goodman calculates the increase of patients. "Consequently, we project that insuring between 32 million and 34 million additional people will generate between 848,000 and 901,000 additional emergency room visits every year," Goodman stated in his article.

     What does this mean for emergency room physicians? It means that in an average 12 hour shift, physicians may see 30-35 patients at a busy hospital and many consider this a busy night.  Some fear that with the projected rising number of patients, doctors will be spread too thin and the quality of care will decrease as physician fatigue increases.  As it is with many issues in the United States, a problem presents itself and businesses and society responds.  Many states have opened Osteopathic medical schools, with a desire to train new physicians to practice in rural or underserved areas.  The thought process is that if more physicians are trained with an emphasis on these areas, they will meet the demand that the increased numbers cause.  Many allopathic medical schools are now offering rural health programs.  The University of Alabama offers a rural physicians program in which a qualified student can train to practice in an area where healthcare is not usually abundant.  This can be in rural farming communities or lower income neighborhoods.  The hope is that by training the physicians to serve in these areas, more patients will seek help at these clinics than flock to the emergency room.

    It may be inevitable that emergency rooms will have an increased number of patients under the expansion of Medicaid.  All signs seem to be pointing in this direction.  However, maybe the attempts at filling the physician shortage in certain areas will funnel the patient load away from ER's around the country.  We will continue to examine how the Affordable Care Act will affect certain aspects of our healthcare system.

 Stay tuned from more health information from Jitesh Chawla, MD.
Reference:
  1. http://www.cdc.gov/nchs/data/hus/hus10.pdf

Wednesday, October 9, 2013

Health Insurance Exchanges - Working Through the Kinks

Dr. Jitesh Chawla feels that health insurance exchanges are a honest attempt to fix all the on-going problems with trying to provide the proper access and coverage to Americans that were created by insurance companies. But, like any new initiative, there are kinks that need to be worked out as this article explains.

The Health Insurance Exchanges, central pieces of the Patient Protection and Affordable Care Act (PPACA), opened as scheduled on October 1 amid debate in Congress and a government shutdown over the future of the law. The launch of the Exchanges along with open enrollment for Americans came just after the government released premium rates for 33 federal Exchanges.
Technical Problems in Accessing Exchanges
Consumers seeking online access to federally-facilitated Exchanges (FFE) faced intermittent outages and error messages throughout the first day of enrollment. Some state-based Exchanges, including those in California, New York, Maryland and Colorado had similar issues with their websites. Traffic to these sites was very high, leading many of the sites to slow down considerably. Similarly, those seeking assistance by phone also encountered long wait times.
Many proponents of the law, including those who are helping to develop the Exchange systems, have warned of glitches as the Exchanges roll out over the next several months. Many of these predictions proved accurate as large numbers of Americans logged on to the Exchange websites to browse coverage options. As initial curiosity over the Exchanges subsides in the coming weeks, it will be easier to more accurately assess the functionality of the websites.
Rates Announced
On September 24, the U.S. Department of Health and Human Services (HHS) released an issue brief outlining the premium rates in the 36 states with either an FFE or a partnership Exchange. Since data concerning premium rates is complex and ambiguous, supporters of PPACA hail the rates as a success for the health reform law, while opponents view them as a major failure.
The issue brief outlines the number of Qualified Health Plans (QHPs) offered in each state and the average premium rates that enrollees would pay for different plan tiers. Average premium rates are detailed for a 27-year-old (before and after tax credits are assessed), and a family of four with a specified income of $50,000 per year. Rates for the lowest bronze, silver, gold and catastrophic plans as well as the second lowest silver plans are described. The average number of QHPs offered in the 36 states is 53 with as many as 106 plans offered in Arizona and as few as seven in Alabama.
Update: On October 1, the U.S. Department of Health and Human Services posted premiums for over 17,000 plans being offered in the 36 states where the federal government is operating an Exchange. The premiums are listed for different geographic regions, age groups and different family sizes. Metal levels and plan type information is also provided.  This list provides people the ability to compare plans within and between states. Click here to access this resource.
To see the full article, please click this link.
Please join Jitesh Chawla, MD. in the discussion by posting your comments on this blog post.




Sunday, March 17, 2013

Health Insurance Exchanges


The Affordable Healthcare Act may have not only changed the United State's  healthcare system forever, it also may have changed the insurance industry  forever.  The implementation of so called health insurance exchanges, or HIX for short, have helped change the industry forever.  The model is a consumer based  approach, where customers will be able to shop for the best insurance plan for  them.  President Obama focused on allowing states to set up the exchanges  instead of a blanket approach that would make one exchange for the whole  country.

Ideally, the concept will allow people with preexisting conditions to be denied  insurance.  Customers will have to satisfy a smaller amount of conditions in order  to receive insurance.  Lawmakers envisioned this change as a system in which citizens will be allowed to have the same type of variety that members of  Congress have in shopping for their health insurance.  At this point you may be saying, "Great, now how in the world will they  implement this and what does this mean for me?" Let's try to answer this  question! The exchanges can cover a whole state or be broken up in to smaller exchanges in one state.  For instance a state like California may have a Southern  California exchange and Northern California exchange.  As long as the exchange covers a certain geographic area they will be allowed to operate.

States can also partner with other bordering states to create an exchange. As for how the exchanges will be run and affect you, the consumer, lets look at the car insurance model. President Obama has repeatedly compared these  exchanges to car insurance purchasing.  People living in an area that has a HIX  will be able to compare plans online and buy which ever one fits them the best.
There will different levels of coverage, given a gold, silver, or bronze designation. Only companies meeting the standards set forth by ACA regulations will be able  to sell their insurance plans.  According to www.obamacarefacts.com, this alone  will lower insurance premiums 7-10 percent. 

Listed below are the criteria to be  an ACA-approved insurance plan.

All plans must include:
1. Ambulatory patient services
2. Emergency services
3. Hospitalization
4. Maternity and newborn care
5. Mental health and substance use disorder services, including behavioral health treatment
6. Prescription drugs
7. Rehabilitative and rehabilitative services and devices
8. Laboratory services
9. Preventive and wellness services and chronic disease management
10. Pediatric services, including oral and vision care

We have yet to see if these will in fact work in the United States.  In theory,  they sound like a great idea and that they will allow for variety in insurance  shopping.  The hope is that more people will be able to become insured in the  long run.