Will Obamacare really be good for New Mexicans? As a state that has many who struggle to make ends meet and many impoverished it is an important question. The Democratic Party of New Mexico says Obamacare will help people with disabilities. But will it really?
Obamacare—Good News for People with Disabilities
If you are a person with disabilities and need health care coverage, the Affordable Care Act, or ‘Obamacare,’ is good news for you. Soon you can use the new health care marketplace to find health care coverage—at lower costs than ever before—and insurance providers can’t deny you coverage for pre-existing conditions. The marketplaces, or exchanges, go online in just fifteen days from today, on October 1, 2013, with coverage beginning on January 1, 2014.
Whether you’re uninsured, you’ve been denied coverage in the past, or you just want to explore new options, the Health Insurance Marketplace will give you more choice and control over your health coverage. The Marketplace will operate in all states, including here in New Mexico, so no matter where you live you’ll have access to coverage.
In the Marketplace, you can compare coverage options based on price, benefits, quality, and other features important to you. You can choose the combination of price and benefits that fits your budget and meets your needs.
Open enrollment for Marketplace plans begins October 1, 2013. Coverage begins as early as January 1, 2014.
New coverage options: Insurance plans can no longer deny you coverage or charge you more because you have a disability or pre-existing health condition.
Save money: The health care law expands the Medicaid program to more Americans, including people with disabilities. Medicaid covers many people with disabilities and some adults under age 65 with modest incomes. Besides free or low-cost coverage through Medicaid, you may also be able to save money on your monthly premiums or out-of-pocket costs for private insurance.
Long term care: State Medicaid programs will also be able to offer additional services to help those who need long-term care at home and in the community. To learn more about programs for people with disabilities, visit www.acl.gov.
Get the latest information: Visit the Individuals & Families page at HealthCare.gov and sign up for email updates.
While the New Mexico Democrats brag about how good Obamacare is I decided to research and came up with several incidents where Obamacare will actually hurt people with disabilities and their families by limiting options.
How the Disabled are Affected by Obamacare:
Frank K. is a father of two; one of his children lives with Autism. Frank, like many parents whose children have Autism, relied on non-taxed Flex Spending Accounts to pay for the medical of his child. Until 2010, families could put as much money as their employer would allow into their FSA’s to pay for their families medical expenses.
Many parents with disabled children use these accounts to pay for otherwise unaffordable schooling and therapy for their children. However, a new provision of Obamacare has capped all FSA’s $2,500, in efforts to make up to $13 billion more taxable.
Here is how the FSA provision has affected Frank and his family:
“As a father of two kids who have chronic on-going issues (one with GI issues and one with Autism), and a wife who is unable to work due to back problems, we have a LOT of medical bills every year. So being able to use a $5,000 FSA account every year was a win for us.
We don’t really have a choice to treat or not treat our children.
So when the FSA limit went down to $2500 thanks to ACA (Affordable Care Act) we lost quite a chunk of money. As a result of this, and since ObamaCare never put in any support for kids with Autism or actually addressed the underlying cost issues, we as a family have been forced to make painful cutbacks; picking and choosing which therapies to apply for our autistic son, delaying my wife’s back surgery and ultimately forcing us to go from two cars to one to save on costs.
Even so we put most costs onto a Credit Card and payoff what we can when we can. For us ObamaCare solved nothing and if anything my employer will likely force us onto an Exchange because they are self-funded and our care costs so much.”
Another article I discovered went into the issue of the FSA account cap in greater detail. Basically explaining that families will have less money to spend on their special needs family members because there are new taxes being imposed. You can read that article here. It appears that the Democrats are covering up the truth on this issue. Families will be hurt by Obamacare!
How the Poor are Provided For Through Obamacare:
Sandra Duck is a Medicaid patient with an infected, artificial hip. Dr. Dale Mitchum treated her infection in 2009, but when it resurfaced in early 2012, Mitchum knew Duck was in need of another hip transplant.
Here is how Obamacare provided for Sandra Duck’s medical condition:
“(Mitchum) tried to find an orthopedic surgeon who would operate. More than a year later, he’s still trying.
“I cannot find a living soul that will touch her,” he said recently. “And I’ve tried everywhere, from Tallahassee to Pensacola.”
Doctors in several states outside Florida also have refused to operate on Duck, who’s covered by Medicaid, the state-federal health insurance program for poor people and those with disabilities. Because of the program’s history of low payments, fewer than half of U.S. doctors and other health care professionals accept Medicaid patients, according to a recent study.
Nationwide, the lack of doctors is a growing problem that will only worsen as some 27 million people get health coverage by 2016 as part of the Patient Protection and Affordable Care Act. The Association of American Medical Colleges projects a shortage of 29,800 primary care doctors and 33,000 specialty doctors in 2015 alone.”
These stories are not the hypothetical scenarios made up by Republican leaders. Pattie, Frank and Sandra have no intention of denying 30 million people healthcare. Their stories are a dose of reality for big-government advocates and Obamacare supporters. The sick, the disabled and the poor are not going to benefit under Obamacare. And, most likely, neither will anyone.
The poor will benefit from Obamacare? It seems that all may not. The New Mexico Democrats want YOU to believe Obamacare will help people with special needs, when in reality it will not. Many people are already facing higher premiums as we prepare for implementation.
When will the Democrat Party of New Mexico stop lying to New Mexicans?