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Welcome well a couple of days ago line New Year's Day January 12013.
Health Care Reform.
Actually took affect in joining us right now from Bankrate dot com desk at the tell you gonna run through with us welcome to the show some of these.
Changes that -- meant to help people without insurance and low income families so let's start with the first one.
There's going to be -- Medicaid pay raise for family doctors yes.
Now this basically so for people like you and me.
It was seen health -- is just something we normally get through our employer but for a lot of these low income families.
That was -- -- a luxury and now a days now opinion pay raise they're gonna have more access to higher quality doctors and more doctors are going to be willing to participate because.
They're getting more silence about her.
So let's -- it -- better daka is anything complaint yet and is good for the doctors as well yes and there are going to be getting paid and the people who have lower incomes and it happened that accessibility because right now or.
In 2012 you.
Got to seek a less money from the Medicaid.
Patients and from the Medicare insurance even though the government was giving them money didn't sustain the source is the same the government.
-- to get different amount exact size that's got a pay the second item -- is improving Medicaid preventative care a case so.
You have to think of the old baggage of an ounce of prevention is worth a pound of care.
And you think about you know you go to the doctor and a regular basis your life like he gets sick many studies have proven that in the past and this is giving.
All these lower income families who didn't have a chance to go to the doctors -- they would only gonna doctor Anthony would super sick and to the opportunity -- -- back.
And it really helps because right now 75% of our federal health care costs are going to -- chronic diseases like diabetes and heart disease.
And obesity and it really.
If we can cut those off at the past Morgan overall at your nation.
I understand that but -- the opposite side says we should stop and cut back a little bit on all the extra testing because it's too much and it's costly and it's not necessarily needed in the but you do not think that if you are if you diabetes and you don't go to a doctor until you need to -- like indicated.
You need to go back and it drastic you have on I have a lot of it is where people don't -- until they're like oh my gosh what am I gonna kill and -- you know now they're gonna be able to go hey I think I have diabetes can we manage this with medications and probably you know -- anything going.
Taking -- -- island off in my front -- and you know and that kind of thing in the extreme but that's really what happened.
This one here exploring bundled payments and Medicare.
So if you never had any kind of procedure done when you go to hospital for for anything you're gonna be billed by -- -- -- here and he built by general -- you're gonna be -- by.
You know whoever happens to walk in the room and see you -- treat you in some kind of -- This is bundling all those payments together.
So this isn't this is how you can kind of avoid those extra excess you know procedures and is excess in.
You know different things that you may have had done that are necessary because you're gonna get.
More comprehensive care for a patient.
And this really helps all these Medicare patients that you're not gonna be double tested on things because.
Your cardiologist is going to be talking with your general doctor and it's going to be an overall way.
To have a comprehensive billing and to kind of move people war -- electronic system where they're not -- everything.
And it's better for the consumer because.
You can one Billiton and of the day you're not going to be stuck with fourteen different bills where you're trying to figure out what was this form what it was like -- is -- just for Medicare just for senior -- just for Medicare currently okay.
Yes you know some of my doctors already are using the electronic systems and I think it's great I love it I I think you can find information so quickly -- I.
Great -- you has you know you can log into the system and seen what tests he had done -- like that yeah.
OK and then chipping in more -- ship that's child health -- yet that's child -- -- this affects eight million children of low income families.
Who make a little too much for Medicaid.
But -- children still aren't sure.
And this -- have a lower middle class yes lower middle class and this covers those children.
Between fifteenth and October 2015 and -- -- that's very good because now.
If your child -- an -- they're not gonna have to go to hospital they can go to doctor why isn't there -- obtain.
That's -- -- spent a fair up.
And this last issues really complicated if he's new state insurance exchanges are still trying to figure this out we do you still have a little bit of time on this one let.
How do you wanna that's breakdown I explain what the state insurance exchanges are -- the best way to explain is.
It's allowing and a bigger marketplace for the consumer you're giving them an easier way to view.
Multiple options to pick the most affordable health care for them and to compare different health care programs right and in this state -- stopped -- opt out.
They've extended a bunch of deadlines for that yes yes there -- there are still in the process of working it all out it's it's a complicate the whole Health Care Reform thing is very complicated now.
You know -- working it out and there's federal subsidy that will be involved for those people who may not qualify for Medicare -- -- not make enough to afford it's okay L membrane attack.
We have big -- 323 he writes in today's so a lot maybe you can answer this question the only thing that worries him about obamacare.
How are we gonna pay for it.
I need -- and I I -- and answer to that you know there's a lot of different taxes and bills that are.
Are being worked out and unfortunately I'm not in the room that makes solid decisions -- -- -- that -- I I've really you know it's going to be an ongoing process but there are.
You know suppose -- taxes coming in an error.
-- is -- going to be pushed to the employees and everything -- can't -- we'll have more on that answer in our next segment that Jessica Patel at Bankrate.
Dot com thank you so much for coming on.
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