Healthcare 101

Obamacare i.e. The Affordable Care Act i.e. The ACA

Here are the facts:

• Almost 50 million Americans are currently uninsured.
• Starting next year, all Americans will be required to have health insurance. If they are not already covered through a job or government program, they have the option to buy a policy through an insurance marketplace (also known as an exchange).
•  The marketplace is an online system where people can view, compare, shop, and purchase insurance plans (as if you would shop online on Amazon.com).
• Although each insurance plan listed in the marketplace is offered by private companies, the online marketplace, itself, is run by either your state government or the federal government. Specifically, states can choose to manage the exchanges themselves or hand the task over entirely to the federal government.  
• As of today, 16 states have opted to run their own marketplace programs, and 27 have handed over the responsibility to the federal government.

Here are 2 most recent, and most publicized, problems:

• FIRST - Some individuals have had their private insurance plans cancelled as a direct result of the ACA
• SECOND - Fewer than expected have signed-up online for coverage

FIRST

The ACA has set new standards for health insurance plans, in the same way that the Department of Transportation has set standards that require every vehicle to have adequate brakes, working tail lights, and functioning seat-belts.

As such, those health insurance companies that do not meet the new standards (and continue to have plans that offer little coverage and impose substantial out-of-pocket costs) are forced to either improve their policies or cancel them all together. However, those Americans who have such plans cancelled are STILL able to enroll themselves in the online marketplace and shop for better, cheaper, and more adequate plans.

In short, the law is forcing the health-insurance industry to improve, in the same way that laws and federal regulations have forced the automotive industry to improve.

Additionally, the law has made significant changes that would also not have been possible without its existence:

• Your insurance company can no longer drop your coverage if you become sick
• Your insurance company can no longer limit the coverage you receive over your lifetime
• Your insurance company can no longer deny coverage if you have a pre-existing condition
• Your insurance company is now required to spend at least 80% of your premium payments on medical care, instead of on administrative costs such as advertising and executive salaries.

• By 2014, everyone will be required to have health insurance. This means that more people will have access to preventive care, instead of waiting until they have to go to the emergency room. With the average emergency room visit costing hospitals $1,000, these costs will no longer be transferred to taxpayers.

• According to the American Journal of Medicine, medical debt due to lack or loss of health insurance accounts for almost 60% of all bankruptcies. With the ACA, gaps in coverage are either reduced or improved, ensuring access to affordable and quality healthcare for every American.

SECOND

Americans want affordable and quality healthcare. It is a demand that, until recently, had very insufficient supply. However, without the proper knowledge and access to enrollment, people will continue to face obstacles with the marketplace exchanges.

Yes, the federal marketplace website needs to be repaired quickly. But the major problem with the enrollment process goes far beyond a simple website. It stems from the fact that Republican leaders are refusing to cooperate or assist in the process.

The Affordable Care Act is a very bipartisan law.

• Major provisions of Obamacare have been closely modeled after Republican ideas - a private-sector, free-market system.
•  It is not a government-run, single-payer system, but one that creates competition in the health insurance market. It gives the uninsured, under-insured, and insured the choice of choosing multiple insurance companies, who will now compete for these people’s business. 
• It also gives states the full opportunity to run each marketplace exchange themselves, removing the federal government from the enrollment process.

Ironically, 22 of the 27 states opting for federally-managed exchanges are run by Republican governors. More problematic, however, is that these leaders have become obstructionists. They have only attempted to repeal and defund the ACA; tried to invalidate the law by going to the Supreme Court; refused to set up their own state-based exchanges; encouraged residents not to enroll; and have misled consumers about the benefits of the law.

In states that have accepted the law for what it is and have worked with its requirements (like California and Kentucky), the enrollment process has been fairly optimistic. However, with most of the uninsured living in Republican states, the only way to ensure the program works as it was intended is to truly put politics aside and work together.

The Shutdown

More than 15 days ago, the Republican-led House of Representatives shut down the U.S. Government over their unwavering disapproval of the Affordable Care Act (ie. Obamacare).

Ironically, their decision to shut down our government is costing us more, and doing far worse damage, than their assumptions of Obamacare would have.

Although it is true that Republican members of Congress put forward bills to reopen the government, their proposals have all insisted that President Obama first make concessions on a 3-year-old law: a law that Congress passed, the President signed, the Supreme Court upheld, and the American people support (the last election overwhelmingly proved this).

Major provisions of Obamacare have been closely modeled after Republican ideas - a private-sector, free-market solution that encourages individuals to take more responsibility for their personal lives. It is not a government-run, single-payer system, but one that creates competition in the health insurance market. It gives the uninsured, under-insured, and insured the choice of choosing multiple insurance companies, who will now compete for these people’s business, which will, in turn, lead to lower premiums, lower costs, greater efficiency, better care, and an improved industry.

Yet, regardless of how they feel about Obamacare, Republican leaders have no right to hold our entire economy at hostage. Because shutting down the government is not how you make the government work. We have a lot of issues to fix, but that’s all on hold because the government is closed and we’re on the verge of default.

The President has time and time again proven his ability and willingness to negotiate and compromise, even when members of his own party disapprove. But his decision to stand up for democracy and refuse any deal that would reopen the government at the expense of paying a “ransom” is the right one.

“Think about it this way, the American people do not get to demand a ransom for doing their jobs. You don't get a chance to call your bank and say I'm not going to pay my mortgage this month unless you throw in a new car and an Xbox. In the same way, members of Congress, and the House Republicans in particular, don't get to demand ransom in exchange for doing their jobs. And two of their very basic jobs are passing a budget and making sure that America's paying its bills. They don't also get to say, you know, unless you give me what the voters rejected in the last election, I'm going to cause a recession.

And you know, I've heard Republicans suggest that, well, no, this is reasonable, that this is entirely appropriate. But as I've said before, imagine if a Democratic Congress threatened to crash the global economy unless a Republican president agreed to gun background checks or immigration reform. I think it's fair to say that Republicans would not think that was appropriate.” 

A Good Republican Program

The Congress passed it; the President signed it; the Supreme Court upheld it; and the people need it.

The Affordable Care Act (ie. Obamacare) is one of the most important in our nation’s history. Yet for all the misinformation and misdirected negativity from the Republican leadership, the most ironic fact is that it was their idea in the first place.

It is no mystery that Obamacare was closely modeled after Romneycare: a private-sector, free-market solution that encourages individuals to take more responsibility for their personal lives. Before that, the individual mandate was proposed by Republican Congressional leaders as an alternative to President Clinton’s single-payer option. Before that, President Reagan ensured access to healthcare regardless of one’s ability to pay via the Emergency Medical Treatment and Labor Act.

Yet for some reason, Republican leaders today are doing everything in their power to defund this law. They are even willing to shut down the government over it. We deserve better. 

 “Competition is a good thing”, and with the Affordable Care Act, the uninsured, under-insured, and insured will now have the choice of multiple insurance companies who will be competing for their business. This, in turn, will lead to lower premiums, lower costs, greater efficiency, better care, and an improved industry.

With just 5 days until the open enrollment process begins, it is crucial that people educate themselves and find out how the Affordable Care Act help them.

Make-A-Wish Event

My name is Ashwani Jain....and I am a 10 year cancer survivor.

When I was 13 years old, I was diagnosed with Non-Hodgkin’s Lymphoma. Because my doctors found my tumor at its early stages, I only had to undergo 4 months of chemotherapy. I say only 4 months because every other child I met while getting treated at the Children’s Hospital in DC experienced far worse conditions than I did. Many of them were not only younger than I, but also had to undergo more surgeries and harsher treatments for longer periods of time. 

And although their physical conditions made them very weak, their spirits were unbelievably strong. It was from their courage and exceptionally optimistic outlook on life that I was inspired to give back. 

I learned from them that no matter how bad things are, a negative attitude can always make things worse. At the same time, it is often within your power to make things better and find opportunity in every difficulty.

So, I stayed true to the UPS slogan, “what can brown do for you” and I got to work.  

So after I finished my treatment, I began performing charity magic shows for the Children’s Hospital, the Children’s INN at the NIH, and the Make-A-Wish Foundation. I took to heart what Mark Twain once said, and learned firsthand that “the best way to cheer yourself up is to try and cheer someone else up.” 

Today, I am now a volunteer Wish Ambassador and Wish Grantor for the Make-A-Wish Foundation, helping to grant the wishes of children with life-threatening medical conditions in the Mid-Atlantic region.

In 2005, after my cancer treatments were over, the Foundation gave me a trip of a lifetime. It was early morning, and the foundation sent a limo to pick my family and me up. It was the first time I ever rode one. In fact, I didn’t really understand what to do, so I actually rode in the passenger’s seat in front....for those of you who aren’t laughing, let me tell you a secret: You’re not supposed to ride a limo like that. 

Anyway, we then boarded a train to New York City, where we were greeted by a Wish staff member, who gave us a tour of the city and tickets to the Broadway show: Julius Caesar. 

After the show, they took us back stage, where we met the whole cast and crew. Then something happened that made my heart leap. I saw my reflection in the mirror.

But then I got a tap on my shoulder, and when I turned around, it was none other than the man I had wished to meet: Denzel Washington.

Needless to say I was awe-struck. He took us to his dressing room, where he spoke with us for about 15 minutes. And for those 15 minutes, nothing else mattered. Cancer was just another word in the dictionary. 

My parents weren’t thinking about the fact that they had almost lost their son; my sister wasn’t thinking about all the pain she saw her older brother go through; I wasn’t worried about all the scars and pain my surgeries left behind. All I was able to focus on was that very moment, and how my dream was coming true.

But that couldn’t have been possible without the strong support and love from groups like BAE Systems. And it is because of the tremendous work and dedication of people like you, by simply showing up to events like this, which make this foundation such a huge success, and keeps ME motivated to stay active. 

I want you all to imagine if we can provide the amount of joy that I had, to ALL children suffering from these types of life-threatening medical conditions. If we can do that, then there is nothing that these kids cannot overcome. And I know that from experience.

I’ve been through a lot in my short life. But I continue to stay positive and optimistic. Not in spite of my previous medical conditions, but more so because of them.

And anytime I’m feeling down on myself, I think, “Today is still better than yesterday, and tomorrow will be even better than today.”

And that’s all thanks to events like this, and people like you. 

So, from the bottom of my heart, I want to thank you all for giving me hope and inspiration, and for helping dreams come true. Thank you!

Diary of an Optimist

“I know God won't give me anything I can't handle. I just wish he didn't trust me so much.”- Mother Teresa

Ok, I'll admit it. I'm a diehard optimist.

Sure - I have my moments where I think my world is falling apart; when I start to fear the future; when I get afraid that I, or God-forbid, someone I love deeply, will get sick or have some medical condition that will forever change them. But then I look back at my life and realize that everything always works out for the better.

When I was 13 years old, I was diagnosed with Non-Hodgkin's Lymphoma, a cancer that is rarely found in children (At the time, I was one of only 25 children in the country with the disease).

When I was 21 years old, doctors found a very rare heart condition known as Wolff-Parkinson-White syndrome (WPW). The doctors deemed my diagnosis to be a "special case" because only a very small percentage of people with this rare condition develop symptoms at such a young age.  

And now, at 23 years old, I found myself back in the operating room after doctors discovered that my WPW resurfaced - a recurrence of the disease after treatment occurs in less than 1% of patients.

In each of these situations, whether it was with my diagnosis or with the surgeries that proceeded, I was that rare anomaly you hear about in the brochures: I was that "less than 1% of patients"; I was that medical liability.

But I continue to stay positive and optimistic. Not in spite of my previous medical conditions, but more so because of them.

Throughout my short time here, I have experienced and learned a great deal. Enough for a lifetime. 

I've learned to be thankful and appreciative for everything I've been blessed with, because it can all so quickly be taken away.       

I look at one of our close relatives who has Parkinson's Disease. For him, the very act of getting out of bed is troublesome; walking is nearly impossible; even lifting a spoon of food from the plate to his mouth becomes a workout.

So, yes:

PERSPECTIVE.

I've learned that people are more important than things, because nothing in life is guaranteed with the exception of the love from your family and friends.

I recently lost my uncle, a father-like figure in my life, to pancreatic cancer. Things were bad. His health was rapidly deteriorating. Doctors gave him only a few weeks to live.

For those last few weeks, my family and I were constantly visiting him in the hospital, spending endless nights scavenging to find sleeping space in waiting rooms. Each time I walked over to his room, I passed by another patient with a similar condition. Yet, in the three weeks my uncle was in the hospital, not once did I see a single visitor in the other patient's room. Not once.

We were not visiting him because we "had" to. Never once did my uncle ever ask us to do anything for him. We were there because we wanted to be. Because we truly loved him. 

And THAT was always a guarantee.

I've learned not to compare my life, struggles and all, to anyone, because as easy as it is to find someone who's doing better, it's even easier to find people who are doing far worse. 

During my first chemotherapy session, I remember feeling really down about myself and the situation I was in. I thought about the other kids my age, as well as my friends and classmates. "Why can't I be like them? Why do I have to go through all this. It's not fair." But as soon as I turned my head and looked around the hospital room, I saw nine other children, younger than I, undergoing harsher treatments for longer periods of time. Then it hit me. 

"Wow, I am the luckiest kid in this hospital."

I've learned that the best way to help myself is to help others. 

I remember a doctor once came into our chemo room (or as it was ecstatically referred to by us patients as our "kicking butt center") dressed as a clown. He went around to each of our beds, made some jokes, and performed some small magic tricks. And that's precisely the moment I fell in love with the art. 

With magic, the impossible becomes possible. I saw things that I didn't understand or know why or how it happened (just like my cancer), but I knew that there was some reason behind it all. But if magic could provide me, a kid who was deemed "the lucky one" by my nurses, that sense of hope and inspiration, then it should also be able to help others. So I perform charity magic shows, share my story, and try to give back every second I can.   

Because no one in this life should get a free ride. If I'm lucky enough to have blessings, I have an obligation to pay it forward.  Besides, when things get rough, I know I need others to help me out. If this past week has reaffirmed anything, it's that life is much more difficult, near impossible, without the help of others. So I should, at least, better my karma and place a down payment on my future.

I've learned to be thankful for all my struggles, because they always serve as a constant reminder for me to be thankful and appreciative; to live in the moment; to appreciate the big things, but even more so the small things.

As I laid curled up in my parents embrace the night before my most recent surgery, I realized how lucky I am to have the love and support of two of the greatest parents a child could ever have. This week, I realized how fortunate I am to have brothers and sisters that I can call my best friends, and best friends that I can call my brothers and sisters.

Sometimes we take our loved ones for granted. We forget just how great our lives are, and how much there is to appreciate. Thankfully, my experiences have allowed me to constantly reevaluate my life and have the ability to literally count my blessings. 

I've learned that you have to stay positive, because, in the end, that is the ONLY thing we really have any control over (so might as well use it!).

It's not always easy to stay positive. We each have our own struggles, our own battles, and our own unique experiences. But no matter how different mine may appear from yours, we can all learn from one another. 

From me, I hope people can understand that no matter how bad things are, they could always be worse. I think having this perspective can allow you to not only live in the moment and appreciate what you have, but also take on whatever challenges you come across in a much stronger, more positive, and more effective manner.

I'm learning and improving every day. I have traveled a long way thus far, and have a much longer journey ahead. But whenever I start to get overwhelmed, I do what I do best...

I get in my car, roll the windows down, and blast some Disney music. Now THAT is living!

 "For everything this disease has taken, something with greater value has been given - sometimes just a marker that points me in a new direction that I might not otherwise have traveled. So, sure, it may be one step forward and two steps back...but I've learned that what is important is making that one step count." - Michael J. Fox

Implementing Healthcare Reform

I am a cancer survivor, member of an ethnic minority, a recent college graduate, and a first generation American. My parents are small business owners, victims of gun violence, beneficiaries of student loans and unemployment benefits, and have lived through almost every socio-economic sector of our economy. 

We understand the potential this country has to offer. We understand that government can be seen as a partner of business, a promoter of economic growth, and a protector of justice. We understand that regulation is not always bad, and that capitalism can serve to benefit the middle class. We understand that this country needs equality of opportunity, not outcome.

And that is precisely why we are such strong supporters of the Affordable Care Act (Obamacare).

As most of the major provisions begin to phase in within the year, it is even more important to understand the law and its significance.

First and foremost, this reform treats healthcare as a business by putting customers first.

One of the biggest problems in our healthcare system was that it forgot about its customers: the patient.

Even though Obamacare helps doctors (which is why organizations like the American Medical Association, the American College of Physicians, and the American College of Surgeons endorse it) and insurance companies (by adding over 30 million new clients to their system), its primary purpose is to help those who need medical care the most and are unable to afford it.

And it does just that:

- 3 million young people under 26 are now able to stay on their parents’ insurance, and an additional 3 million are now able to join their parents’ plans after previously having no insurance

-17 million children with pre-existing conditions now have insurance that couldn’t before

-Prevents insurance companies from dropping coverage (previously over 10,000 people a year had their policies rescinded after getting sick because they reached their lifetime caps)

-About 71 million people now have access to free preventative care, keeping them healthy (which also saves taxpayers in ER costs)  

-Private insurers are required by the law to spend at least 80 percent of their premium revenues on actual healthcare, or must pay a rebate. In 2012, insurers had to pay $1billion in rebates, an average of $150 per family.

After all that is said and done, politics is very personal. And the laws passed by our lawmakers, whether we agree with them or not, affect real people. We must, therefore, take time to learn and understand the laws for what they are, and realize the significance they have in our lives. 

USA before the NRA

“90 percent of Democrats in the Senate just voted for that idea.  But it’s not going to happen because 90 percent of Republicans in the Senate just voted against that idea.”

Yesterday, we saw the true power of special interests in our political system. It was not only disgraceful but, to a greater degree, very discouraging.

Although 90% of Americans support expanded background checks for all gun purchases, the bipartisan measure failed at reaching the 60 votes needed to pass in the United States Senate.

With 50 Democrats and only FOUR Republicans voting in favor of this bipartisan, common sense proposal – drafted by two Senators who both have “A” ratings from the NRA –the bill failed to pass because the power of special interests outweighed the power of millions of American voices.  

As the President mentioned in his statement yesterday, “no single piece of legislation can stop every act of violence and evil...but if action by Congress could have saved one person, one child, a few hundred, a few thousand -- if it could have prevented those people from losing their lives to gun violence in the future while preserving our Second Amendment rights, we had an obligation to try.”

For that reason, despite how discouraging the process may seem, I’m not giving up. In fact, I’m even more inspired and motivated to stay active.

Stay active for all the innocent victims of gun violence. 

Stay active for the victims of Tucson, and Aurora, and Sandy Hook.

Stay active for my parents. 

Because the alternative of doing nothing –of sitting on the sidelines and remaining silent—is far, far worse.

“We will not be defeated.  We are not defeated, and we will not be defeated.  We are here now; we will always be here because we have no other choice.  We are not going away.  And every day, as more people are killed in this country because of gun violence, our determination grows stronger."

Right now, volunteers across the country are joining Organizing for Action (OFA) to contact their members of Congress and make their voices heard. We're going to show the special interests that we will not be silenced, and that the victims of these heinous crimes will be honored. Will you help?