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The Affordable Care Act (ACA) is an Act designed to provide previously uninsured Americans with health coverage capable of seeing to all of their medical needs. However, as many Americans are finding, forcing insurers to offer much wider coverage is, in some cases, having unintended consequences and dramatically raising the prices of certain procedures for patients, particularly those over the age of 32. Our staff at the Lavenburg Medical Group is finding that many of our patients are having to pay higher monthly premiums than ever before as well as facing higher deductibles for many procedures and care plans. In some cases these deductibles are as high as $12,000 and it’s not uncommon for patients to be facing an up-front cost of $2,000 or more for their medical treatments due to the changes in coverage since the ACA came into effect.
How Does the ACA Affect Procedures Performed by the Lavenburg Medical Group?
Many procedures performed at our facilities may be covered by ACA insurance if a doctor agrees that the procedure is "medically or professionally necessary". However, just because the procedure is “covered” by your health insurance does not necessarily mean it will be paid by your carrier. If there is a deductible that has not been met or a coinsurance, financial responsibility for the full cost of the procedure may shift to the patient. Our staff is here to help you find the best way through this process and we will be able to work with you to ensure that you receive the care you need with as little inconvenience as possible.
We Want to Help As Much As Possible
Our treatment plans are designed to meet both the medical and aesthetic needs and goals of our patients and from the moment you contact us we will work with you to ensure that you receive the best possible treatment. We understand how important your wellbeing is and we will discuss all your options with you and how the ACA and other insurance regulations affect them. Contact us now to get started and book your free consultation with our physicians.
We believe the only entities profiting from the ACA are the insurance carriers, receiving substantial revenue from increased monthly premiums, higher annual deductibles and minimize plan utilization. Moreover, doctors in all sectors of health care worry that as the ACA continues to establish itself as the primary method of obtaining insurance by Americans, it will interfere detrimentally with their ability to help patients by removing much of their authority to diagnose and implement treatment. In fact, the development of the Independent Payment Advisory Board and the potential for physicians to work under "committee-based medicine" is becoming a more viable reality under the terms of the ACA.
We urge our patients who are concerned with the effects ACA will have on them and their loved ones to visit Consumer Action and make their voices heard. You are an American and your opinion counts. Voice your opinion today about how the ACA has affected your life, health and financial security.