This is the third in a series of health reform scenarios designed to illustrate what the changes might look like with the implementation of the Affordable Care Act (ACA) or Obamacare. Each scenario presents a snapshot from a patient, healthcare, or business point of view. This scenario in particular, addresses recent headlines. It coincides with an appearance on 1110 AM KFAB in Omaha, NE discussing this issue and others. The podcast can be found by clicking here.
Emma works for a small company in a medium sized city in the northeast. She has been with the company for ten years and has enjoyed the benefit package they offer, including the health insurance policy. Her position is full time, something that has been important as she struggles to support her four children, including one with special needs. As medical costs skyrocket, Emma has been confident in her ability to provide good medical care for her children. After all, she is on a tight budget and surprises are not welcome.
Today Emma has had a surprise. The company she works for has changed insurance companies to control costs, reducing the benefits she needs for her children. She is unsure what to do.
Emma does some research online. She discovers that despite the lack of coverage in the new policy, she is eligible for a cheaper policy through the state insurance exchange, and that the pre-existing condition of her child will not be penalized with higher premiums or lack of coverage. Her employer’s contribution for her to the company policy can be applied to a new policy that she can buy on the exchange.
Emma is relieved. She will make a change in her health insurance coverage, and continue to find good medical care for her children. The ACA has been a good thing.