I have to admit that I have been hesitant to write about this topic. Why?  Because it seems as though any communication with those who are not in agreement (and there are many) serves to fan the fires of discontent rather than lead to productive discussion. Health care reform, more than any topic in the history of my adulthood, seems to have polarized the nation and brought about a sense of distrust that is unparalleled. In one sense, the polarization has fostered less communication as business associates, family members, and close friends avoid the subject so as not to engage in a debate that could easily result in a messy outcome. On the other hand, there is constant media chatter on the topic – much of which is opinion vs. fact – leading listeners to believe in doomsday scenarios that are unlikely to occur. The sad thing is that many of our older population are particularly affected as they tend to have this chatter on in the background 24/7 and as a result, are scared to death about what the future holds.

My endeavor – to focus on the facts, and hope that readers will do the same. As such, I have searched for sources that provide the most factual information, and have included links to the sources at the bottom of this blog.

Below is a basic outline and timeline of the changes:

2010 – The uninsured will receive immediate access to coverage through high-risk pools if they are uninsured because of pre-existing conditions, and children can remain on parents’ plans until they are 26. Small businesses can receive tax credits to purchase insurance. Medicare prescription drug beneficiaries will receive a $250 rebate when they hit the coverage gap.

2011 – Medicare prescription drug beneficiaries will receive a 50% discount on brand-name drugs while in the coverage gap.

2013 – Medicare payroll taxes increase and expand to include unearned income for individuals making more than $200,000 and families earning more than $250,000.

2014 – Most Americans are required to get covered or pay a penalty. Families can receive subsidies to buy insurance if they earn up to four times the federal poverty level (currently about $88,000 a year). Individuals and small businesses can by packages through state exchanges. Insurers will be prohibited from refusing to sell policies and limited in their ability set prices on the basis of health status. Businesses with 50 or more employers must provide coverage or pay a penalty.

2018 – High-cost employer provided policies ($27,500 for family or 10,200 for single coverage) will be subject to a 40% excise tax.

2020 – The prescription drug coverage gap will be eliminated.

My hope is that, as time goes on and the changes are put into place, our nation will realize that success will come much more quickly if we work together to achieve it. Until then, I personally will resist the urge to listen to those TV/radio shows that present a one-sided view. They are not helpful.  You may want to consider doing the same …

Sources:
http://bulletin.aarp.org/yourhealth/policy/articles/reform_splash.html
http://www.time.com/time/specials/packages/article/0,28804,1975068_1975012_1974994,00.html

Carolyn Lukert

www.transformingtransitions.com