Dispelling Common Myths

If there's one nearly-universal truth about Obamacare -- the Affordable Care Act (ACA) -- it's that misinformation about it abounds, and most people don't actually understand what it is doing for them at all. Let's take a bit of time today to specifically dispel some tenacious myths about how the ACA is going to affect elderly Medicare recipients. Myth: Medicare Recipients Must Now Buy Additional Insurance There is a lot of language in the ACA and the talk about the ACA is how many people are going to have to buy new insurance. But if you're receiving Medicare already, you're covered. Medicare (and Medicare Advantage plans) already qualify for all of the ACA's new rules, so there's no need for you to do anything except reap the benefits of the new law. Myth: Medicare Recipients Will Have to Change Doctors This is best described as 'possibly partially true in a way,' actually. The deal is this: Medicare payouts to insurance companies with Medicare Part C clients are going down, so insurance companies are trying to find a way to absorb that decrease in income. One of the ways they may choose to do that is to shrink their networks -- which may mean that some recipients will find out that their doctor has recently been removed from their insurance company's network. This will mean that they have to change doctors. This isn't because of anything the ACA does legally, but is a possible indirect result of changes the ACA are making to the payout structure. Myth: Medicare Premiums are Going Up Due to the ACA Make no mistake: Medicare premiums are going up. But it's not because of the ACA. They go up every year, according to the same algorithm. The net effect of the ACA on those premiums is that they're going up more slowly than they would have otherwise -- so the ACA is actually of direct benefit to anyone that has to pay Medicare premiums. jsv48Mgp
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