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What the Affordable Care Act Means for Women, Girls and Families

March 15, 2012

What the Affordable Care Act (ACA) means for women, girls and families:

What the ACA means for persons living with HIV:

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What the ACA means for the general population:

What measures need to be taken in preparation for its passage:

Allies in the movement to preserve the ACA and organizations leading the effort:

Why the Affordable Care Act is facing legal challenges:

The Supreme Court is considering three main challenges to the ACA:

What is the Blunt Amendment?

The Blunt Amendment is a piece of legislation being advanced by Senator Roy Blunt (R-MO). If successful, the legislation will amend the Affordable Care Act (ACA) to permit employers and insurers to deny coverage in their health insurance plans for services that contradict the employer's or insurer's conscience or morals (such as birth control).

What prompted the Blunt Amendment?

The Blunt Amendment comes in direct opposition to the ACA. Advocates of the Blunt Amendment claim that the amendment is needed to protect the moral convictions of employers and insurers.

What the Blunt Amendment may mean for people with HIV

There is concern that the Blunt Amendment may eventually be expanded to allow employers to deny HIV/AIDS treatment, by claiming that such treatment contradicts the employer's morals.

  1. About the "Donut Hole": Medicare is the health insurance program for people 65 or older, people under 65 with certain disabilities, and people with permanent kidney failure. Persons with Medicare have the option of paying a monthly premium for outpatient prescription drug coverage. This prescription drug coverage is called Medicare Part D. This is how Medicare Part D coverage works:
    • You pay out-of-pocket for monthly Part D premiums all year.
    • You pay 100% of your drug costs until you reach the $310 deductible amount.
    • After reaching the deductible, you pay 25% of the cost of your drugs, while the Part D plan pays the rest, until the total you and your plan spend on your drugs reaches $2,800.
    • Once you reach this limit, you have hit the coverage gap referred to as the "donut hole," and you are now responsible for the full cost of your drugs until the total you have spent for your drugs reaches the yearly out-of-pocket spending limit of $4,550.

    After this yearly spending limit, you are only responsible for a small amount of the cost, usually 5% of the cost of your drugs. Therefore, because Medicare benefits will be counted toward your yearly spending, you can move through the donut hole (between $2,800-$4,550) more quickly.


Sources

Birth Control Amendment "Dangerous," Obama Spokesman Says, Huffington Post, Feb. 14, 2012.

Fact Sheet: The Affordable Care Act's New Patient's Bill of Rights, HealthReform.gov (last visited February 23, 2012).

How Does the Affordable Care Act Help People Living With HIV/AIDS?, AIDS.gov (last visited February 23, 2012).

How the Affordable Care Act Helps Women, National Women's Law Center (last visited February 23, 2012).

Legal Challenges to the Affordable Care Act, Healthcare Financial Management Association (last visited February 23, 2012).

Patient Protection and Affordable Care Act, Pub. L. No. 111-148, 124 Stat. 119 (2010).

Proposed Blunt Amendment (S. 1813, 2012).

The Affordable Care Act and People Living With HIV/AIDS, Miguel Gomez, Blog.AIDS.gov (last visited February 23, 2012).

Women and the Affordable Care Act, Healthcare.gov (last visited February 23, 2012).




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