Of The Ten Essential Health Benefits Required Under The ACA?

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1
John Xuan Dinh
RMI 2101
Prof. Wilkins
Fall 2016
Homework Assignment 5
20 Points
A. What is the ACA? Explain in detail the purpose of the law and how it is intended to operate. What are the key features of the ACA? [10 Points]
Health care in the United States has many serious long term issues. First, there are millions of uninsured people. Second, people who do have insurance tend to pay more for it than they would in other comparable countries. The Affordable Care Act, also known as Obamacare, is a health care reform that aims to fix these issues by making health care in the United States more affordable, accessible, and of higher quality. Its goal is to ensure that all Americans have access to affordable health insurance.
There are several
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Describe FOUR of the ten Essential Health Benefits required under the ACA. [4
Points]
Emergency care – Under the reform law, preauthorization is not required if a patient gets emergency care. Also, the patient cannot be charged extra for an out-of-network visit.
Prescription drugs – individual and small-group plans insurances cover at least one drug in every category. The cost of prescription drugs will also be counted towards out-of-pocket caps on medical expenses.
Maternity and newborn services – Prenatal care is now considered as a preventive service and patients will not be charged. Insurers are required to cover childbirth and newborn infant’s care.
Pediatric services – Teeth cleaning, x-rays, fillings, medically necessary orthodontia, eye exam, and one pair of glasses or set of contact lenses a year will be at no cost for dependents that are
19-year-old and younger.
C. Based upon your readings, give two arguments in favor of the law and two arguments against the ACA. Feel free to cite specific articles in explaining your responses.
[6 Points]
Insurers will no longer be able to deny or revoke coverage for pre-existing conditions.
Many Americans are in favor of ACA because it is a modest step towards equality. A

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