7 Ways To Prepare For An ObamaCare Repeal
Another day, another executive order signed. These past weeks have seen the first steps being taken to get rid of the Affordable Care Act with no replacement plan in sight. Although it won’t be as easy as just taking it away, it is a scary time to live in with the thought that insurance for millions of people could soon be in jeopardy. Therefore, it’s best to plan for the unexpected. Check out the slideshow below.
1. Check if you are on the ACA.
Most people assume that the ACA is only for those who are unemployed or for people whose jobs don’t offer insurance. However, over 150 million people have employer insurance that funnels through the Affordable Care Act. Now is the time to check into whether your company in under the insurance exchange of the ACA or if it is privately purchased.
2. If you are on meds, stock up!
If you are like me and need to take a pill every day, it’s time for you to stack them up as fast as you can. While the country may be in limbo trying to decide with what will happen with healthcare for the millions of us, you need to protect yourself. If you have the ability to have 90-day supplies of medications, I suggest that you do so. You may also want to speak with your doctor about giving an even longer supply while insurance companies will pay for it. Do any and everything you can to ensure your health.
3. Check into alternative options.
If you are HIV-positive, you will want to see if you can qualify for Ryan White Services or any other state services that will cover your medication and treatment. If you are on PrEP under your health insurance, you will want to check into pharmaceutical programs that may be able to cover you should you lose your health insurance. Although it is still very early in the repeal stages, this is the best time to make sure that you aren’t caught off guard in this ever-changing landscape of healthcare in America.
4. Save up an emergency fund.
Unfortunately, with some of the things already being repealed within the law, certain treatments that were free or inexpensive may now come with a cost. So being prepared for that cost is important, especially if it is necessary to sustain a quality of health. You will also want to look into your current insurer and see if they have any co-pay assistance programs that you may be eligible for as well.
5. Know your rights, insurance policy and coverage.
It’s sad to say that most people don’t understand what they actually have when talking about health insurance, deductibles, caps, rates, etc. This would be a great time to actually see if the plan you are on actually works for you, and to know what your actual coverages are. If something should happen, and insurance is taken away, you will need know what you were on to better assess the type of plan that you will need to go into.
6. Be ready to fight for your healthcare.
We can’t expect for the politicians to do the work on our behalf if we also aren’t holding them to the fire. So we are going to have to fight or fund those who are willing to fight for us on our behalf and ensure that what we need is being handled timely. We don’t get to just sit back and complain because it is clear that the people making decisions do not have our best interest at heart. Now it’s time to make it known that we will not tolerate that.
7. Don’t panic. Just prepare.
There is truly no need to panic over things that are still currently out of our control. It is very easy to just get into a place of being upset over the circumstances, but that will only leave you with a bigger problem once something actually does happen. This is the best time to make sure that you are properly prepared. It’s going to be a rough couple of years, but that doesn’t mean we can’t be proactive in our processes.