New Reform Regulations Cause Excitement in Washington

Bill Clinton made health care reform one of th...

When Barak Obama came into office in 2008, he made health care one of the top items on his agenda. With the health care reform bill recently passing, it would seem that an end to overpriced medical care and uninsured citizens are on the horizon. One of the most critical portions of the health care reform bill was an exclusion of abortion coverage, except in cases of incest, rape, and when a mother’s life is threatened. Obama vowed that abortion would never be paid for with federal money, with the exception of those instances.

Recently, The White House announced final regulations in regards to abortion services in high-risk pools that have some Republicans asking if these regulations will contradict what Obama previously vowed against. The health care reform law mandates coverage for people with pre-existing conditions who cannot find health insurance elsewhere; this particular segment of the population will make up the high-risk pools. Mandatory coverage ends when health reform law requires companies to cover all persons regardless of health issues existing prior to application.

The hot-button topic of abortion coverage had several Republican senators demanding answers from the White House as to whether or not abortion would be allowed in high-risk pools. In rebuttal, Nancy-Ann DeParle, stated that pre and postnatal care, hospitalization, home health and outpatient care, as well as, hospice are covered under Federal Employees Health Benefits Program, or FEHBP, further reiterating that abortion would not be covered. As of right now, federal funds are not to be used for abortion, with exceptions being incest or rape, and threat to a mother’s life. DeParle stated that the new policies coincide with Obama’s commitment to leave federal funds designated for abortion services at current levels and keep federal funds from paying for abortions except for those extenuating circumstances listed above. She also stated that the limitations placed on abortion services in not to make an example, but are fitting given the transitory nature of high-risk pool coverage and the population receiving these benefits.

The Prepaid Credit Card of Good Health

There is nothing quite as comforting as having health insurance. All you have to do when you go to the doctor (or, heaven forbid, the emergency room) is hand the office assistant your little “prepaid credit card,” and you are in like Flynn. Now, naturally your insurance card is not really any sort of credit card; but how many other pieces of plastic allow you to receive services, without having any but a minimal amount of personal costs to go along with the services you receive? It might not literally be a credit card, but your insurance card can literally be worth a massive amount of money to you.

For one thing, have you ever stopped to consider the overall costs that are associated with going to the doctor every year? If you go to most doctors, they will charge you between $100 and $200, just for a basic visit. Essentially, they march you through a few tests that you could easily do yourself (blood pressure check, pulse rate, scale, measuring your height, etc.), and hand you a questionnaire. Then you see the doctor for a couple of minutes, they give you your bill of health (which is generally the nicest bill you receive, unless you have some kind of horrible disease), and you’re politely booted out the door.

That could run you ten thousand dollars or more across your lifetime, if nothing is ever wrong with you. If you add in the fees to go to a lab and have blood drawn, or if you are ever sick with something that requires more than just some bed rest, you are looking at a substantial increase to the aforementioned figure. And if something really bad happens (like a little accident with a table saw and a secessionist finger), you could be looking at even more costs. Insurance is a great savings of lots of money.

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