Category: Healthcare Reform

Affordable Care Act, Healthcare Reform
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ACA Open Enrollment

The Affordable Care Act (ACA; aka Obamacare) Health Insurance Marketplace begins its fifth Open Enrollment period today. American healthcare consumers can sign up on the federal insurance exchange at healthcare.gov or through their state marketplaces. This year, there is increased confusion and anxiety surrounding Open Enrollment due to changes (and attempted changes) made to the ACA under the Trump administration.   Previous years Open Enrollment period ran 90 days after November 1 until the end of January but has been cut to 45 days this year unless you qualify for the Special Enrollment Period, extending the enrollment period by an […]

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Drug Discount Card, Health, Healthcare Reform, Prescription Drugs
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What is a Clawback & How it’s Affecting Your Prescription Copays

Americans may be surprised to learn that they could be paying more for their medications with their insurance copay instead of the cash price available to those without insurance. A study published last week found that Pharmacy Benefit Managers (PBMs) undermine claims that negotiated “rebates” with pharmaceutical companies are passed on to consumers. This follows a federal lawsuit filed over the summer after a California woman paid a $164 copay on a medication that can be purchased for $92 from the same pharmacy by anyone not using insurance. This practice is known as “clawback” and is instituted by PBMs who […]

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Affordable Care Act, Healthcare Reform
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Affordable Care Act Trumped

Donald Trump, President of the United States, has taken steps to systematically change America’s health insurance system. He has failed on his promise to pass healthcare reform through Congress due to lack of support, mostly from the destabilization the American Health Care Act (AHCA) and Better Care Reconciliation Act (BCRA) would have caused for premium costs and uninsured rates. The morning of October 12 he signed an Executive Order undermining the Affordable Care Act (ACA) and opens the door to low-benefit insurance despite lack of Congressional support. Later that night, Trump ordered an immediate end to subsidies to insurance companies that help […]

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Health, Healthcare Reform, Pediatrics
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Children’s Health Insurance Program (CHIP) Expires

Congress has allowed the Children’s Health Insurance Program (CHIP), which insures 9 million children in the United States, to expire. The program provided coverage for children in families making under 200% Federal Poverty Level (FPL) as well as to pregnant women. CHIP played a huge part in decreasing the rate of uninsured children from 14% in 1997 to 4.5% in 2015. By taking no action to renew the program before September 30, 2017 the U.S. Congress allowed the program to lose future funding, putting millions of American children at risk of major health complications from ordinarily treatable conditions. CHIP covers […]

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Health, Healthcare Reform, Patient Assistance
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Understanding Health Insurance

by Richard Sagall, M.D. Insurance is really a simple concept. But few people, and even fewer politicians, seem to understand how insurance works and why so many of the promises we hear are impossible. Here are the basic concepts of insurance:   Number 1 – You Never Win with Insurance – You always lose with insurance. Think about what happens when you have health insurance.   Outcome 1 – You get sick, perhaps really sick, and you suffer while ill. You may experience long-term or even permanent disability from your illness. Or, in the worst case, you die. Your health […]

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About Us

Welcome to the NeedyMeds Voice! We look forward to presenting you with timely, provocative pieces on healthcare reform, patient advocacy, medication and healthcare access, and other health-related news. Our goals are to educate, enlighten, and elucidate; together, we will try to make sense of the myriad and ongoing healthcare-related changes in the U.S. today.