Affordable Health Care for America Act
– House Bill
Patient Protection and Affordable Care Act
– Senate BillWhy This is Important
health.United StatesPreventive ServicesTask Force (USPSTF)Converts the existing USPSTF into the“Task Force on Clinical PreventiveServices.” The task force is charged withconducting evidence based systemicreviews of data and literature todetermine which clinical preventiveservices (i.e., preventive servicesdelivered by traditional health care providers in clinical settings) arescientifically proven to be effective.Defines clear duties for both the USPSTFand the Task Force on CommunityPreventive Services (the Task Force onCommunity Preventive Services is anexisting task force that deals with preventive programs and services outside of the doctor-patient relationship).Provides for better coordination betweenthe two task forces.The United States Preventive Services Task Force (USPSTF) is the entity that setscreening guidelines for colorectal cancer.
Affordability of Care
Annual and lifetimelimits No annual or lifetime limits for benefitsoffered under the “essential benefits package.”Sets limits on maximum annual co-pays -$5,000 for an individual and $10,000 for a family.Eliminates “unreasonable annual” limitsand lifetime limits on the dollar value of benefits for any participant or beneficiaryfor all group health plans and healthinsurance coverage required to provide“essential health benefits” (i.e., anyinsurance company or plan that participatesin the new health insurance exchange).Many colorectal cancer patients face alifetime of cancer treatment. Caps oninsurance result in very difficult decisionsabout the care they will receive and howthey are going to pay for it.
Affordability of Insurance
High-risk poolEstablishes a temporary three year highrisk plan to help those currentlyuninsured gain coverage. Includessubsidies for those under 400% of thefederal poverty level. Provides $5 billionto fund this program.Establishes a temporary four year high risk health insurance pool to provide coverageto individuals until Jan. 1, 2014. Provides$5 billion to fund this program.Many of the provisions in both the Houseand Senate bills will not take effectimmediately. Establishment of a high risk insurance pool will help those individualswith pre-existing conditions afford healthinsurance until the provisions in the billeliminating pre-existing conditionexclusions take effect.