If you are covered by insurance you have been protected against preexisting conditions when changing insurance companies for many years under HIPPA,.
The new Patient Protection and Affordable Care Act (aka O.....you know...btw who remembers 1993 when they called the attempt Hillary Care???? and what about
Romney Care in Massachusetts...but I digress)) extends that to remove health, occupationnal, and lifestyle conditions for coverage and premium rate calculations. Thus there will be no qualifying requirements to get coverage, other than figuring out the application which is some 61 pages long and includes a place to register to vote. Further the most healthy and the least healthy will be charged the same. If you stay outside the exchanges for your coverage then the same conditions exsist, but the application will depend on the insurance company and is expected to be less lengthy (only a couple of pages as no health questions need to be asked) than they are now.
Coverage will generally be broader for all and much broader for many as we will all now have to have a lot of coverages that we didn't used to have to buy. Reports from the insurance companies, state insurance commissioners and the CBO are that this will increase our insurance costs. In some cases in the 20-60% range as reported in the last several days. For example, my wife and I really don't need contraceptives or maternity coverage, but we will have to buy it to have a qualifying coverage.
As to the rates, many of PCa age will potentially get somewhat of a break as the "old age:young age" premium ratio is reduced from 5:1 to 3:1. Commentators I have read are mixed on the effect. If all the young people will buy the new coverage at about
double the premium they now deem to be too much to pay and are thus not covered, Then it could hold seniors costs steady or even see some reductions. But, if the young people opt to pay a fine of $95 for the year and not buy the coverage that will costs thousands, then the insurance companies/exchanges will have to increase premiums on seniors. Easy to do the math.
2014 is a very pivotal year when we will all begin to feel the true effects of O...oops....The Patient Protection and Affordable Care Act. I am hopeful there will be positives, but they will come at a cost.
If I sound a bit cynical about
the law, I am, as I think there were better ways of expanding coverage than The Patient Protection and Affordable Care Act. But, it is the law of the land and we will all follow it. Now, how about
calling this Affordable Care instead of O.....Care??? Oh yeah, our premiums are going up....not a good idea.
PSA 59 on 8-26-2010 age 60. Biopsy 9-8-2010 12/12 positive, 20-80% involved, PNI in 3 cores, G 3+3,3+4,and 4+3=G7, T2b.
Eligard and Jalyn started on 10-7-2010. IMRT to prostate and lymph nodes started on 11-8-2010, HDR Brachytherapy December 6 and 13, 2010.
PSA < .1 and Testosterone less than 3 since February 2011
Post Edited (JNF) : 3/28/2013 1:43:45 PM (GMT-6)