What the Affordable Care Act is doing for Michigan families
The Affordable Care Act has already covered one in four uninsured Americans – more than ten million – and improved coverage for virtually everyone with health coverage. Insurers can no longer discriminate against preexisting conditions, charge women more just for being women, or put caps on the care you receive. Hospitals, doctors and other providers are changing the way they operate to deliver better care at lower cost. In the years to come, the ability to buy portable and affordable plans on a competitive marketplace will allow countless Americans to move, start businesses, and dream big American dreams — without worrying if an illness will bankrupt them. Here is how the Affordable Care Act is working for families in Michigan:
After Health Reform: Improved Access to Care
· Gallup recently estimated that the uninsured rate in Michigan in 2014 was 10.8 percent, down from 12.5 percent in 2013.
· Prohibits coverage denials and reduced benefits, protecting as many as 4,394,173 Michiganians who have some type of pre-existing health condition, including 556,167 children.
· Eliminates lifetime and annual limits on insurance coverage and establishes annual limits on out-of-pocket spending on essential health benefits, benefiting 3,547,000 people in Michigan, including 1,315,000 women and 977,000 children.
· Expands Medicaid to all non-eligible adults with incomes under 133% of the federal poverty level. 399,651 more people in Michigan have gained Medicaid or CHIP coverage since the beginning of the Health Insurance Marketplace first open enrollment period.
· Establishes a system of state and federal health insurance exchanges, or marketplaces, to make it easier for individuals and small-business employees to purchase health plans at affordable prices through which 293,843 people in Michigan were covered in March 2015.
· Created a temporary high-risk pool program to cover uninsured people with pre-existing conditions prior to 2014 reforms which helped more than 2,416 people in Michigan.
· Creates health plan disclosure requirements and simple, standardized summaries so 5,677,800 people in Michigan can better understand coverage information and compare benefits.
After Health Reform: More Affordable Care
· Creates a tax credit to help 228,388 people in Michigan who otherwise cannot afford it purchase health coverage through health insurance marketplaces.
· Requires health insurers to provide consumers with rebates if the amount they spend on health benefits and quality of care, as opposed to advertising and marketing, is too low. Last year, 184,297 consumers in Michigan received $13,189,718 in rebates.
· Eliminates out-of-pocket costs for preventive services like immunizations, certain cancer screenings, contraception, reproductive counseling, obesity screening, and behavioral assessments for children. This coverage is guaranteed for more than 4,543,547 people in Michigan including 1,843,405 women.
· Eliminates out-of-pocket costs for 1,411,770 Medicare beneficiaries in Michigan for preventive services like cancer screenings, bone-mass measurements, annual physicals, and smoking cessation.
· Phases out the “donut hole” coverage gap for 205,170 Medicare prescription drug beneficiaries in Michigan, who have saved an average of $1,052 per beneficiary.
· Creates Accountable Care Organizations consisting of doctors and other health-care providers who share in savings from keeping patients well while improving quality, helping 322,866 Medicare beneficiaries in Michigan.
· Phases out overpayments through the Medicare Advantage system, while requiring Medicare Advantage plans to spend at least 85 percent of Medicare revenue on patient care. Medicare Advantage enrollment has grown by 212,812 to 610,553 in Michigan since 2009.
After Health Reform: Improved Quality and Accountability to You
· Provides incentives to hospitals in Medicare to reduce hospital-acquired infections and avoidable readmissions. Creates a collaborative health-safety learning network, the Partnership for Patients, that includes 91 hospitals in Michigan to promote best quality practices.
We’re not done. Other legislation and executive actions are continuing to advance the cause of effective, accountable and affordable health care.This includes:
· Incentive payments for doctors, hospitals, and other providers to adopt and use certified electronic health records (EHR). In Michigan more than 67.5 percent of hospitals and 47.6 percent of providers have electronic health records systems.
· A new funding pool for Community Health Centers to build, expand and operate health-care facilities in underserved communities. Health Center grantees in Michigan now serve 558,059 patients and received $208,926,298 under the health care law to offer a broader array of primary care services, extend their hours of operations, hire more providers, and renovate or build new clinical spaces.
· Health provider training opportunities, with an emphasis on primary care, including a significant expansion of the National Health Service Corps. As of September 30, 2014, there were 337 Corps clinicians providing primary care services in Michigan, compared to 162 clinicians in 2008.