Tennessee's Blue Cross Blue Shield study profoundly assesses the potential consequences that national health reform could have on Tennessee residents. The study estimates that 683,000 Tennesseans will receive Tennessee's new health insurance coverage as a result of health care reforms. It also focuses on possible changes in access to medical care, as well as the transition from employer-provided TN health insurance to state exchange.
Dr. Steven Coulter, of the Tennessee Institute of Health, conducted the National Health Reform. Impact in Tennessee ”study. According to Coulter, the study examines how Medicaid expansion and TN health insurance exchange approval in 2014 will affect Tennessee residents.
Coulter says that since the advent of Medicare in 1965, the Patient Protection and Affordable Care Act has been the largest expansion of entitlement programs. "With the expected increase in eligible Medicaid coverage in 2014 and the estimated $ 1.5 million in qualifying subsidies in 2014, there is a big deal that needs to be addressed to ensure a smooth transaction," he says. Kutler also noted that people who already have access to health care may have to wait longer when more people can afford to go to the doctor, unless there are major changes to the health care system.
What happened to the shortage of doctors in Tennessee?
Long before the health care reform in Tennessee, there was a terrible shortage of doctors, and in some countries the situation had improved dramatically. 2011 On October 26, The Herson Sun reported that the situation had improved in rural West West Tennessee. Specifically, the doctor-patient ratio in the County of Harding was measured by one physician per 4,675 persons, per physician per 2222 persons, from 1992 to 1999. Chester County has seen a similar improvement with one doctor, down from 6,409 people per unit, to 2,505 people each. .
What happens to Tennessee health insurance prices?
Coulter also notes that by 2014, young adults will have to pay more for Tennessee health insurance. This is because healthcare reforms tend to level the playing field, so to speak. Groups, such as long-term living, paid a high premium, while young people paid a low premium. To average the price of TN coverage for all residents, some will probably pay more, but those who pay a high price will get a break.
Who can benefit most from health care reform?
In general, people with the greatest economic disadvantages benefit most as access to health care extends to more state citizens. People who have been denied access to medical care for those suffering from medical conditions will also receive more medical care when they can finally be covered.
It is also expected that employers will have financial gain when they can encourage employees to receive Tennessee health insurance through exchange, as insurance coverage has not improved the company's & # 39; the end.
Everyone will benefit directly from healthcare reform.
It remains to be seen whether people who currently have TN health insurance will have more time to wait for health care, with more doctors and clinics arriving in the state. For example, the federal-funded clinic opened in Hardman County in 1993 and in Hardin County in 1995. In West Acks, West Tennessee Health opened the clinic in 1996, and federally funded clinics have been operating in Fayette and Lake County since the 1970s. .
Tennessee health insurance companies will have to adjust to new price regulations and can see their profit margins over time. Insurers selling individual health insurance plans are already required to spend 80 percent of the premium they take to pay for insurance premiums & # 39; care. This reduces the number of premiums allowed to be held for profit. The group plans have regulated regulations that require them to cover 85 percent of premiums for insurers & # 39; care, though.