IPHY 2420 1nd Edition Lecture 30Outline of Last Lecture American Nutrition Week: Oral Health and Cardiovascular Disease on Pine Ridge Reservation1. Demographics2. Social Issues3. Health Conditions4. Alcoholism in Pine Ridge5. Oral Health Conditions6. Native American Genetics7. TAKE HOME CORRELATIONOutline of Current Lecture – November 19, 2014Understanding The Affordable Care Act: Obama Care1. Key Terms2. Affordable Care Act3. New Customer Protections4. Improving Quality and Lowering costs5. Increasing Access to Affordable CareCurrent Lecture:1. Key Terms:- Premium: How much you pay yearly (paycheck deduction)- Deductibles: How much you pay before insurance starts paying ($1000)- Co-Payments: How much you pay each times you go to see a doctor, specialist or ER. - Health Savings Account: A savings account is that can only be used to pay medical expenses (taken out of paycheck before its taxed)- Pre-Existing Condition: A Documented medical condition2. Affordable Care Act:- Before 2010, 50 million Americans did not have any kind of health insuranceThese notes represent a detailed interpretation of the professor’s lecture. GradeBuddy is best used as a supplement to your own notes, not as a substitute.- Not a government run healthcare system – private insurance- Patchwork Solution: Not a new solution, just a combination of previous solutions.- Companies previously did not have to offer you health care unless you were working 40 hours a week3. New Customer Protections: - Prohibits discrimination due to pre-existing conditions or gendero Prohibits insurance companies from refusing to sell coverage or renew policies to people with pre-existing conditionso Also prohibits insurances companies from charging higher rates based on health status. o Women go to the doctor more are more expensive to cover then man – gender bias. - Establishes Customer Assistance Programs in the United Stateso States can apply for federal grants to help customers navigate the new health care system- real people to help you decide what healthcare to get.o Each state has its own website and own amount of federal funds.4. Improving Quality and Lowering costs:- Tax credits are available to help lower the cost of their insuranceo For individuals making $43,000 a year or less (or families of 4 making $88,000 a year)- Establishing a Health Insurance Market Placeo People will be able to buy directly in the health insurance marketplace instead of only getting insurance through their employero This marketplace offers a choice of plans that meet certain benefits and cost standards (this creates highly competitive and transparent market- this gives people ability to compare and contrast insurances)- Increasing Access to Medicaido In 2014 the qualifications for Medicaid expanded to 133% of the poverty. If you are making less than $14,000 a year or $29,000 for a family of four.o Previously you could only get Medicaid if you were totally broke (elderly).o States will receive 100% federal funding to support expanding coverage. 5. Increasing Access to Affordable Care:- Extending Coverage to Young Adultso Previously insurance kicked you off of your parents insurance when you turned 19.o Now in 2014 young adults will be allowed to stay on their parents health plan until they are 26.- PCIP/ Pre-existing Condition Insurance Plan: o Provides insurance to U.S. citizens who have pre-existing condition who have been uninsured for 6th months. (EX. 67 year old uninsured male with Type 1 Diabetes) o Covers prescriptions, drug expenses, hospital care, preventative care and annual physicalso PCIP users are required to pay any premiums, deductibles, and co-payments. o PATCHWORK: 67 years old (Medicaid) and pre-existing condition work together tocombine insurances and pay for healthcare. o Young Adults who were “aged off” of their parent’s health insurance when they turn 19- will not be turned away. o If the parents and young adult is uninsured then the young adult also qualifies forMedicaid and individual health care. - Coverage Options 26-36:o The ACA relies on them to buy Market Place Insurance and not use it (stay healthy) so you can pay for those on Medicaid and Pre-Existing conditions. o Public Insurance: Provided by government based on low income, age, disability etc.o Private Coverage: Insurance sold through private company. Under ACA there is more access to private coverage and limits on costs found on the health insurance market place. 6. Risks:- For the whole country to go bankrupt if people fall ill and require medical attention.- This also discourages a healthy lifestyle because the population is forced to ignore illnessor have chronic diseases go untreated = preventative vs. reactive.- Indian Reservations: Preventative – longest living populations.- With ACA the pool of insured people have been increased- patched to cover gaps: low income families, elderly, small profit organizations, small business owners, children 19-26, individuals with pre-existing conditions.- Ultimately the ACA allows more people to qualify for more health coverage. – Long Termgoals of