Reverse Aging News October 2013

Reverse Aging News Anti Aging Medicine NewsletterAs of October 1st, Americans can enroll for health care coverage under the Patient Protection and Affordable Care Act (ACA), also known as Obamacare, to take effect January 1, 2014, great news for those of us who are aging. Here’s why:

The best way to keep healthy is to avoid getting sick. Under the ACA health insurance plans will have to offer preventive care like annual physicals without a co-pay even when the annual deductible hasn’t been met as long as those services are offered by a network provider. Preventive measures include immunizations, blood pressure, cholesterol and HIV screening, type 2 diabetes screening for people with hypertension, and colorectal cancer exams.

Women over 40 will be offered mammography and genetic screenings, if warranted, for breast cancer and cervical cancer screenings along with an osteoporosis exam for those over 60.

Male former smokers will be provided with a onetime ultrasound to check for abdominal, aortic aneurysms.

People with preexisting conditions can no longer be excluded from health plan coverage nor can they be charged more for premiums. A woman’s gender is no longer treated like a pre-existing condition. Rates for men and women will be the same.

Insurance companies can no longer cancel coverage simply because people get sick, a practice known as rescission. As of January, insurance company denials will be appealed to an independent reviewer. For urgent cases, the appeal will be handled in 72 hours. There will be a ban on lifetime dollar limits to coverage, so if patients require an expensive procedure it will be covered. As of now the annual dollar limit has been raised to $2 million; in January this yearly limit will be lifted too.

Plans have to cover a range of essential services including ambulatory patient services such as visits to primary care physicians and specialists, emergency services, hospitalization, prescription drugs, rehabilitation, laboratory services and chronic disease management. Insurance plans will soon include mental illness coverage along with screening for depression, and counseling for substance abuse including alcohol and tobacco. Plans will also offer obesity counseling, since losing weight is not only about being nutritionally savvy but understanding the emotional link to comfort food. Obesity is linked to a range of ailments from heart disease to diabetes.

Reverse Aging News Anti Aging Medicine Newsletter

The cost of health insurance now has to be fair. If you've ever tried to buy health insurance as an individual, you've seen how expensive premiums can get. To bring costs down, the ACA lets people get the benefit of group rates through health insurance exchanges, either run by the individual states, or by the federal government in states that didn't bother setting up their own. Exchanges function as online marketplaces where shoppers can compare health insurance information in clear, easily understandable terms, another requirement of the ACA. There are four levels of plans: bronze, silver, gold and platinum. The lower the monthly premium, the higher the out of pocket cost are for services.

Providers in the individual and small group markets will be allowed to vary premium rates only based on age, within a 5: 1 ratio; tobacco use within a 1.5:1 ratio; family size and geography. Some states like California are not allowing insurers to charge smokers 50 percent more.

Best of all, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through these exchanges. The subsidies apply on a sliding scale for individuals who earn up to 4 times the federal poverty level, about $45,960 for an individual, up to $94,200 for a family of four. The Kaiser Family Foundation has developed this subsidy calculator for you to see how much youíll save:

 

More than half the states have opted to expand Medicaid coverage to include legal residents under age 65 earning less than $15,856 for an individual and $32,500 for a family of four.

When Medicare Part D prescription drug coverage began in 2006, senior citizens often found that their drug coverage exceeded its initial limit and hadnít yet reached the catastrophic coverage threshold. People in this so called doughnut hole found themselves suddenly having to pay for their medication when they needed help the most. The ACA began closing this gap in 2010 sending beneficiaries who reached it one-time, $250 rebate checks. This year those who reach the doughnut hole will get a 52.5 percent discount on brand name drugs and 21 percent discount on generic medication. The hole is due to close completely by 2020.

Reverse Aging News Anti Aging Medicine Newsletter

Although the enrollment period began this month, coverage won't begin until the first of the new year. The enrollment period for 2014 closes March 31, 2014. To get coverage by January 1st, you must enroll by December 15, 2013.

Be patient. There have been glitches. Despite the nay sayers, there has been overwhelming demand. www.healthcare.gov, the federal exchange that is serving as the portal for 36 states, got 8.5 million visitors its first week, forcing extensive upgrades.

The law is not perfect. Dental services for adults were not included, nor was there any provision for making assisted living health insurance available. Although there are cost saving measures, nothing in the exchange based coverage will control the increasing cost of prescription medication.

One group can expect to see its rates go up, the 2.7 million Americans between 18 and 35 since the premiums from these younger, healthier consumers will be used to subsidize the costs of older participants who are more ailment prone. Young men will see their rates go up even more, because women of child bearing age will now have the same rates as males of the same age who cannot get pregnant.

It's time to see how you'll benefit from the Affordable Care Act.

 

Now that the heat of summer has largely dissipated, autumn is the perfect time to head for the hills, especially if you live where the fall foliage gloriously reddens. For inspiration, watch Carolisa Pomerantz, the Associate Producer of "Reverse Aging Now" as she hits the wilds of California.

Reverse Aging News Anti Aging Medicine Newsletter DVD CoverReverse Aging Now, the anti-aging DVD is motivation for the new season. Do you look as good as you can for your age? In Reverse Aging Now inspirational seniors and Americas top anti aging doctors and scientists show how you can take charge of how you age. Pick up your own copy of the award winning anti-aging documentary , ďReverse Aging Now." Each has a 100+ page interactive longevity workbook on the DVD so viewers can track their own progress.

The latest version also contains a TV interview with the producers about how they applied the precepts they learned to live better and younger.  Plus there are free bonus videos on "Superfoods," "Superdrinks," "Saving your Face," "Exercise Basics," and "Seeing without Glasses." Preview the anti aging documentary here.   As a reader of this newsletter you qualify for a special bonus: Enter coupon code RAN-5 at checkout and save $5 off the selling price here at ReverseAging.TV Get 2 1/3 hours of material for only $19.95!

To see how one baby boomer is applying anti-aging precepts to his own life, go to Anti-Aging Diary.com. To embrace anti-aging you need to make a mental as well as physical journey. It's not always easy, but well worth the effort. Remember to watch our anti-aging documentary, “Reverse Aging Now.

Reverse Aging News ©2013 Checkmate Pictures - Paul M. J. Suchecki, Editor
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Blood Pressure photo by Amada Mills,Chiropractor shot by LilJoel, Heart shot by Iván Melenchón Serrano