Health Care Reform: Who will benefit in Arizona?

The Health Care Reform law will benefit 1.3 million Arizona residents who do not currently have insurance.  For the 281,000 residents who have non-group insurance, reform will allow them to get affordable coverage through the health insurance exchange.

These numbers and more are provided on the Department of Health and Human Services website that shows how many people in each state will benefit from health care reform.

The site provides information specific to Arizona.

Under reform in Arizona:

  • 1.3 million residents who do not currently have insurance and 281,000 residents who have non-group insurance could get affordable coverage through the health insurance exchange.
  • 746,000 residents could qualify for premium tax credits to help them purchase health coverage.
  • 853,000 seniors can receive free preventive services. (Begins in 2010.)
  • 151,000 seniors will have their brand-name drug costs in the Medicare Part D “doughnut hole” halved. (2011)
  • 63,700 small businesses could be helped by a small business tax credit to make premiums more affordable. (2010)

Proposals implemented in 2010 and 2011 will produce real benefits for:

  • FAMILIES: The 6.5 million residents of Arizona will benefit as reform:
    • Ensures consumer protections in the insurance market. Insurance companies will no longer be able to place lifetime limits on the coverage they provide, use of annual limits will be restricted, and they will not be able to arbitrarily drop coverage.
    • Creates immediate options for people who can’t get insurance today. 8 percent of people in Arizona have diabetes, and 25 percent have high blood pressure – two conditions that insurance companies could use as a reason to deny health insurance coverage. Reform will establish a high-risk pool to enable people who cannot get insurance today to find an affordable health plan.
    • Ensures free preventive services. 36 percent of Arizona residents have not had a colorectal cancer screening, and 19 percent of women over 50 have not had a mammogram in the past two years. Health insurance reform will ensure that people can access preventive services for free through their health plans. It will also invest in a prevention and public health fund to encourage prevention and wellness programs.
    • Supports health coverage for early retirees. An estimated 111,000 people from Arizona have early retiree coverage through their former employers, but early retiree coverage has eroded over time. A reinsurance program will stabilize early retiree coverage and provide premium relief to both early retirees and the workers in the firms that provide their health benefits.  This could save families up to $1,200 on premiums. (Begins in 2010.)
  • SENIORS: Arizona’s 853,000 Medicare beneficiaries will benefit as reform:
    • Lowers premiums by reducing Medicare’s over-payments to private plans. All Medicare beneficiaries pay the price of excessive over-payments through higher premiums – even the 68 percent of seniors in Arizona who are not enrolled in a Medicare Advantage plan. A typical couple in traditional Medicare will pay nearly $90 in additional Medicare premiums next year to subsidize these private plans. Health insurance reform clamps down on these excessive payments.

What Next?

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10 Responses to "Health Care Reform: Who will benefit in Arizona?"

  1. Don Creelman says:

    There are a couple of falacies implied by the proponents of this so called “reform” bill.
    1. It will lower costs by putting more people into the “pool”. It does so by using tax subsidies. Who supplies those subsidies? You and me through our tax payments.
    2. It will require Medicare Advantage plans to have an out-of-pocket maximum. guess what———–Secure Horizons already has that. And also provides help toward vision and hearing benefits. And the premium is zero beyond what you already pay for Part B.
    3. Perscription drug coverage is an additional premium for those with medicare suppliments. Usually about  $35 per month. It will go up as the “donut hole” shrinks.
    BGTW drug  coverage is included in most Medicare Advantage plans with no added premium— see Secure Horizons.
    4. It’s going to be “free”. Right. and the tooth fairy leaves money under your pillow.

  2. Francine Shacter says:

    The way to lower the costs of any group program, Medicare included, is to have a risk pool which is (1)large enough and (2) includes a large group of people who are at lower risk of costing the system money. By reducing the age for entry into medicare, you will increase the risk pool with people who will cost the system less because they have fewer medical problems – even as they pay their premiums, which means there is more money coming in, less money going out. In my opinion, the most important thing is prevention. Anything that prevents a person from developing a medical problem or worsening one that already exists will greatly improve the finances of the system. Prevention will also give us a healthier country – and that would be a great thing!!!!
    The underlying question too Mr. Creelman’s post is are we a community? I know, more than 300 million people is hard to consider a community – but it is. I believe in government. I believe that my taxes are the dues I pay to live in a democracy. Further, I believe that all religions bid us to be our brother’s and sister’s keeper – government is the entity that orchestrates the response to that commandment. And last, but not least, I believe it is my responsibility to be as knowledgeable as possible about the issues of the day – and the next day, too – and to participate  being  politically active and that means voting!
     

  3. Denise says:

    Seure Horizon Plan 1 – the largest Secure Horizon plan – does not have a cap.  Plan 3 does.  Health Net has a cap.  Humana has a cap.  CareMore does not have a cap.

    Medicare Advantage premiums are zero because Medicare is paying $800 per month (or more) to Secure Horizons for each person enrolled in their plans.  This allows SH and other MA plans to make excellent profits from the MA plans, but MA plans are costing Medicare too much money.  MA plans were created to save money for Medicare, but those financially conservative Republicans decided to change the  payment formula and enrich insurance companies. 

    If you have health insurance through your employer your employer is getting a tax subsidy for you- so this idea is pretty mainstream.

  4.  How will HCR affect Medicare Part D?  Perspective at http://www.healthcaretownhall.com/?p=2515

  5. medicareblogger says:

    The health care reform bill will help people who fall into the doughnut hole in their Part D plan.  In 2010, a person who hits the doughnut hole will get a check for $250 from Social Security.  In 2011, the threshold for going into the doughnut hole will be raised by $500 and drug costs will be discounted 50% for the person in the doughnut hole.

     This will be a big break for someone whose monthly drug costs might be $500.  The cost will be cut in half to $250who must pay the total cost of their drugs.  Over several years, the threshold for hitting the doughnut hole will be raised so that, eventually, there will be no gap in coverage for people with high prescription drug costs.

  6. Skip C says:

    Who will it benefit? Those that make about 35K (Family) and will enjoy having their health insurance paid for. If you make more than 88K…you’re out of luck. However, in 2014, you can purchase major medical health insurance OUTSIDE of the exchanges and perhaps get a very affordable rate.
     
    We’ll see.

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