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“Without the Affordable Care Act, I simply could not have retired at 62.”

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Donald L., Palm Coast, FL

Health Care Blog

  • What "Repeal" Would Do Away With

    Today in an opinion piece in the Des Moines Register, the House Minority Leader recycles the same tired, discredited rhetorical arguments about health care reform to try to make his case for eliminating the landmark benefits the President signed into law for American families this week.  His op-ed runs the gamut of misleading rhetoric crafted to protect the insurance companies, who have spent tens of millions of dollars fighting reform: he calls health reform a “government takeover,” suggests there will be doctor shortages, and misconstrues analysis from the Congressional Budget Office.

    Here are the facts: Health care reform ends the worst practices of insurance companies, brings down costs for families and small businesses, and expands coverage to 32 million Americans who are currently uninsured. It provides new investments to increase the number of primary care practitioners, including doctors and nurses.  It provides tax credits of up to 50 35 percent of employer premium contributions to help small businesses afford coverage for their employees.  And the CBO has confirmed that health reform reduces the deficit by more than $100 billion over the first decade, and more than $1 trillion in the decade after that.

    Once you peel away the layers of false rhetoric, the bottom line is that the Minority Leader and opponents of reform are fighting to repeal critical benefits for American families and small businesses.  So, let’s take a closer look at some of the specific benefits they want to do away with:

    Starting this year as a result of health reform, children with pre-existing conditions can no longer be denied health insurance coverage.  Health reform outlaws that practice for new health plans as well as grandfathered group plans.  Moving forward, no insurance company can deny anyone coverage based on his or her health.
    Starting this year, new health care plans and certain current plans will allow young people to remain on their parents’ insurance policy up until their 26th birthday.  That means that young adults will enjoy the security of knowing they’re covered as they start their lives and careers.

    Under health reform, starting this year, small businesses that choose to offer coverage will begin to receive tax credits of up to 35 percent of their premium contributions to help make employee coverage more affordable.  Adults who are uninsured because of pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk pool.  And starting this year, insurance companies will be banned from dropping people from coverage when they get sick or placing lifetime limits on coverage.  Under health reform, Americans will be ensured access to the care they need.  The list goes on.

    So, the next time you see opponents of reform out talking about repeal, ask yourself: why are they so eager to do away with these benefits?  And why are they standing with the insurance companies to protect the status quo?

    Dan Pfeiffer is White House Communications Director

  • Live from Iowa City

    Today the President is traveling to Iowa City to talk about how health insurance reform will lower costs for small businesses and American families and give them more control over their health care.

    Watch the event live at 2:00 PM EDT on WhiteHouse.gov

    Iowa City holds a special meaning as the place where the President first announced his health care plan in May of 2007, launching a grassroots campaign for reform that led directly to the legislation passed earlier this week.

    [Ed. Note: This event has concluded. Watch the video here]

  • 22 Pens

    Download Video: mp4 (61MB) | ()

    On Tuesday, the President signed the Patient Protection and Affordable Care Act, one of the most significant bills signed into law in the last several decades. Among the many stories generated by the passing of this landmark health reform bill were several that focused on the President using 22 pens to sign the bill into law. The fact that the Staff Secretary handles such bill signings has led a number of people to ask exactly what the Staff Secretary does. While the Staff Secretary can play a public role at the signing of a major bill, Executive Order or international agreement, the lion’s share of the office’s work is invisible to the public.

    All of the paper that goes to the President (including, with rare exception, classified memos from the National Security Advisor), goes through the Staff Secretary’s Office. Working with staff throughout the White House, the Office compiles the President’s daily briefing book; reviews and edits briefing and decision memos, circulating them within the White House for input before they go to the President; handles executive orders and bills; and organizes the letters and background reading sent to the President.

    The role of the Staff Secretary is often described as the last substantive control point before papers reach the Oval Office.” Does a memo merit the President’s attention given the demands on his time? Does a memo provide the President with the information he needs for a meeting? Are the various aspects of an issue clearly presented for the President’s decision? Are all the relevant views of the President’s senior advisors reflected so he can make a fully informed decision? The Staff Secretary serves as the “honest broker,” ensuring that the paper going to the President is ready for prime time and that no one who should be in the loop is cut out of the process.

    The paper ranges from the mundane to the momentous. As of yesterday, President Obama has signed 147 bills into law. While each has significance in its own right, none matches the import of the health reform bill for Americans across the country. As the President said, “this is what change looks like,” and it is why I work for President Obama and why it is an honor to work in this office.

    Lisa Brown is Assistant to the President and Staff Secretary

  • For Victims of Domestic Violence, Health Care is a Lifeline

    Sunday night’s historic vote on health care reform helps women across the board.

    A greater percentage of women are more likely than men to be uninsured or underinsured and to struggle to make ends meet. In addition, those women who manage to get coverage are more likely to pay higher premiums than men. Women who suffer from preexisting conditions are often denied coverage altogether.

    For all women, the advent of health care reform is a victory. For domestic violence victims, it is a lifeline.

    Domestic violence causes 2 million injuries and more than 1,200 deaths every year . These women are not strangers - they are our daughters, our mothers, our sisters, our co-workers, and our neighbors. For victims of domestic violence, access to health care is critical. They need treatment for immediate injuries and ongoing care for related health problems. They need to be able to talk to their health care provider about the cause of their injuries without fear of losing their health insurance. Most importantly, they need our compassion and support.

    Yet until last night, insurance companies in eight states and the District of Columbia could still discriminate against victims by declaring domestic violence a preexisting condition. Domestic violence victims in those states faced the real risk of being denied health care at the very time when they needed it the most. Because of last night’s vote, domestic violence victims in those states will no longer face discrimination.

    All across the country, this bill will help domestic violence victims get the health care they need.  They will not face gender discrimination or lifetime caps on benefits. They will not face the struggle of paying too much for health care while trying to rebuild their lives after suffering domestic violence.

    Victims of domestic violence should not have to worry about access to health care. Because of last night, we can make sure that they won’t.

    Lynn Rosenthal is the White House Advisor on Violence Against Women

  • What's in the Health Care Bill?

    On the day that President Obama signed health insurance reform into law, a lot of Americans are researching the final legislation and how it affects them.  As the President helpfully pointed out in his speech earlier today:

    Go to our Web site, WhiteHouse.gov; go to the Web sites of major news outlets out there; find out how reform will affect you.  And I’m confident that you will like what you see -- a common-sense approach that maintains the private insurance system but makes it work for everybody; makes it work not just for the insurance companies, but makes it work for you.

    So we want to make sure you don’t miss a bunch of health care reform resources on our website:

    Today, White House Director of Health Reform Nancy-Ann DeParle sent an email update (you can sign up for them here) outlining key benefits of health reform for individual Americans that take place soon: 

    FROM: Nancy-Ann DeParle, The White House
    SUBJECT: What Happens Next

    Good afternoon,

    Since the House of Representatives voted to pass health reform legislation on Sunday night, the legislative process and its political impact have been the focus of all the newspapers and cable TV pundits.

    Outside of DC, however, many Americans are trying to cut through the chatter and get to the substance of reform with a simple question: "What does health insurance reform actually mean for me?" To help, we've put together a list of some key benefits every American should know.

    Let's start with how health insurance reform will expand and strengthen coverage:

    • This year, children with pre-existing conditions can no longer be denied health insurance coverage. Once the new health insurance exchanges begin in the coming years, pre-existing condition discrimination will become a thing of the past for everyone.
    • This year, health care plans will allow young people to remain on their parents' insurance policy up until their 26th birthday.
    • This year, insurance companies will be banned from dropping people from coverage when they get sick, and they will be banned from implementing lifetime caps on coverage. This year, restrictive annual limits on coverage will be banned for certain plans. Under health insurance reform, Americans will be ensured access to the care they need.
    • This year, adults who are uninsured because of pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk pool.
    • In the next fiscal year, the bill increases funding for community health centers, so they can treat nearly double the number of patients over the next five years.
    • This year, we'll also establish an independent commission to advise on how best to build the health care workforce and increase the number of nurses, doctors and other professionals to meet our country's needs.  Going forward, we will provide $1.5 billion in funding to support the next generation of doctors, nurses and other primary care practitioners -- on top of a $500 million investment from the American Recovery and Reinvestment Act.

    Health insurance reform will also curb some of the worst insurance industry practices and strengthen consumer protections:

    • This year, this bill creates a new, independent appeals process that ensures consumers in new private plans have access to an effective process to appeal decisions made by their insurer.
    • This year, discrimination based on salary will be outlawed. New group health plans will be prohibited from establishing any eligibility rules for health care coverage that discriminate in favor of higher-wage employees.
    • Beginning this fiscal year, this bill provides funding to states to help establish offices of health insurance consumer assistance in order to help individuals in the process of filing complaints or appeals against insurance companies.
    • Starting January 1, 2011, insurers in the individual and small group market will be required to spend 80 percent of their premium dollars on medical services. Insurers in the large group market will be required to spend 85 percent of their premium dollars on medical services. Any insurers who don't meet those thresholds will be required to provide rebates to their policyholders.
    • Starting in 2011, this bill helps states require insurance companies to submit justification for requested premium increases. Any company with excessive or unjustified premium increases may not be able to participate in the new health insurance exchanges.

    Reform immediately begins to lower health care costs for American families and small businesses:

    • This year, small businesses that choose to offer coverage will begin to receive tax credits of up to 35 percent of premiums to help make employee coverage more affordable.
    • This year, new private plans will be required to provide free preventive care: no co-payments and no deductibles for preventive services. And beginning January 1, 2011, Medicare will do the same.
    • This year, this bill will provide help for early retirees by creating a temporary re-insurance program to help offset the costs of expensive premiums for employers and retirees age 55-64.
    • This year, this bill starts to close the Medicare Part D 'donut hole' by providing a $250 rebate to Medicare beneficiaries who hit the gap in prescription drug coverage. And beginning in 2011, the bill institutes a 50% discount on prescription drugs in the 'donut hole.'

    Thank you,

    Nancy-Ann DeParle
    Director, White House Office of Health Reform

  • "On Behalf of My Mother"

    Read the Transcript  |  Download Video: mp4 (544MB) | mp3 (25MB)

    This morning the President made it official: things are going to change quite a bit between Americans and their health insurance companies.  The President signed health reform into law, with a package of fixes not far behind, and in the process created a future for the country in which Americans and small businesses are in control of their own health care, not the insurance industry.

    Having expressed all due admiration for Speaker Nancy Pelosi, Senate Leader Harry Reid, and those Members of Congress who showed the courage to stand up to an avalanche of misinformation and insurance industry attacks, the President explained what the signing was really about:

    Today, I’m signing this reform bill into law on behalf of my mother, who argued with insurance companies even as she battled cancer in her final days.

    I’m signing it for Ryan Smith, who’s here today.  He runs a small business with five employees.  He’s trying to do the right thing, paying half the cost of coverage for his workers.  This bill will help him afford that coverage.

    I’m signing it for 11-year-old Marcelas Owens, who’s also here.  (Applause.)  Marcelas lost his mom to an illness.  And she didn’t have insurance and couldn’t afford the care that she needed.  So in her memory he has told her story across America so that no other children have to go through what his family has experienced.  (Applause.)

    I’m signing it for Natoma Canfield.  Natoma had to give up her health coverage after her rates were jacked up by more than 40 percent.  She was terrified that an illness would mean she’d lose the house that her parents built, so she gave up her insurance.  Now she’s lying in a hospital bed, as we speak, faced with just such an illness, praying that she can somehow afford to get well without insurance.  Natoma’s family is here today because Natoma can’t be.  And her sister Connie is here.  Connie, stand up.  (Applause.)

    I’m signing this bill for all the leaders who took up this cause through the generations -- from Teddy Roosevelt to Franklin Roosevelt, from Harry Truman, to Lyndon Johnson, from Bill and Hillary Clinton, to one of the deans who’s been fighting this so long, John Dingell.  (Applause.)  To Senator Ted Kennedy.  (Applause.)  And it’s fitting that Ted’s widow, Vicki, is here -- it’s fitting that Teddy’s widow, Vicki, is here; and his niece Caroline; his son Patrick, whose vote helped make this reform a reality.  (Applause.)

    I remember seeing Ted walk through that door in a summit in this room a year ago -- one of his last public appearances.  And it was hard for him to make it.  But he was confident that we would do the right thing.

    Our presence here today is remarkable and improbable.  With all the punditry, all of the lobbying, all of the game-playing that passes for governing in Washington, it’s been easy at times to doubt our ability to do such a big thing, such a complicated thing; to wonder if there are limits to what we, as a people, can still achieve.  It’s easy to succumb to the sense of cynicism about what’s possible in this country.

    But today, we are affirming that essential truth -– a truth every generation is called to rediscover for itself –- that we are not a nation that scales back its aspirations.  (Applause.)  We are not a nation that falls prey to doubt or mistrust.  We don't fall prey to fear.  We are not a nation that does what’s easy.  That’s not who we are.  That’s not how we got here.

    We are a nation that faces its challenges and accepts its responsibilities.  We are a nation that does what is hard.  What is necessary.  What is right.  Here, in this country, we shape our own destiny.  That is what we do.  That is who we are.  That is what makes us the United States of America. 

    And we have now just enshrined, as soon as I sign this bill, the core principle that everybody should have some basic security when it comes to their health care.  (Applause.)  And it is an extraordinary achievement that has happened because of all of you and all the advocates all across the country.

    So, thank you.  Thank you.  God bless you, and may God bless the United States.  (Applause.)  Thank you.  Thank you.

    All right, I would now like to call up to stage some of the members of Congress who helped make this day possible, and some of the Americans who will benefit from these reforms.  And we’re going to sign this bill.

    President Obama Signs Health Reform Bill

    President Barack Obama reaches for a pen as he signs the health insurance reform bill in the East Room of the White House, March 23, 2010. (Official White House Photo by Lawrence Jackson)

    UPDATE: The President spoke soon afterwards at the Department of Interior, where he reiterated many of the same points, but also took a more light-hearted tone towards critics of reform:

    I said this once or twice, but it bears repeating:  If you like your current insurance, you will keep your current insurance.  No government takeover; nobody is changing what you’ve got if you’re happy with it.  If you like your doctor, you will be able to keep your doctor.  In fact, more people will keep their doctors because your coverage will be more secure and more stable than it was before I signed this legislation.

    And now that this legislation is passed, you don’t have to take my word for it.  You’ll be able to see it in your own lives.  I heard one of the Republican leaders say this was going to be Armageddon.  Well, two months from now, six months from now, you can check it out.  We’ll look around –- (laughter) -- and we’ll see.  (Applause.)  You don’t have to take my word for it.  (Applause.)