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ObamaCare and You

ObamaCare — aka The Affordable Care Act — is set to launch 1/1/14. For California residents… this summer you’re going to be bombarded with radio and TV ads about the “Health Care Exchanges” or “Marketplaces” — known in California as “Covered California.” ObamaCare will not necessarily save you money and it will not necessarily get you better coverage. It will ONLY make sense for you to move to a Covered California plan  (aka The Exchange or Marketplace) IF you are

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Did the doctor tell you… ?

… that you’re entitled to every bit of information in your own medical records? Thanks to the Health Insurance Portability and Accountability Act of 1996 (HIPAA), that’s one of your rights as a patient. Ask yourself: “Do I really know what’s in my medical records?”, and if you don’t, then make sure you get a copy of your chart! It’s just fine to be picky with your doctors, and to demand clear information from them. First of all, this transparency from

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Is Congress trying to hide from the Affordable Care Act?

Starting 1/1/14, the Affordable Care Act (ACA) will make Congress members and their staffs buy their own health insurance (for the first time ever!).  And they have to use the new public exchanges to do it.   BUT..  they’re all in a tizzy about what it’s going to cost them and are looking for ways to squirrel out of participating in the law that they passed. These exchanges, also known as “marketplaces,” are part of the ACA, and are being established

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Bottom Line it.

My brain hurts from trying to learn all of the rapidly changing rules-regulations-guidelines-deadlines-laws-exceptions-mandates regarding the Affordable Care Act.   Just when I think I’ve learned (and remembered!) something new — bam! — it all changes again. But here’s a short, easy-to-read, piece from Bottom Line Secrets — 3 easily answered (and understood) myths about health care reform.

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Network

The hospitals, health care professionals and labs that have contracted with a health plan to provide health care services.    When a provider is “in-network” they must discount their prices to you.

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Medicare Part D

The part of Medicare that helps pay for prescription drugs. Insurance companies must be approved sponsors before they can offer Medicare Part D Prescription Drug plans.

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Medicare Part A

The part of Medicare that helps pay for hospital care. It also covers nursing home, home health and hospice care.

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