Want more info?What: The U.S. House’s health care reform bill mission statement is “To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes.”
Read the bill: visit
http://docs.house.gov/rules/health/111_ahcaa.pdf.
Learn the lingoBundling: Paying providers (i.e. doctors and hospitals) fixed bulk payments, rather than charging patients or insurance companies. It encourages doctors to keep patients healthy instead of performing unnecessary procedures.
Capitation: A flat fee a health insurer pays to a provider, instead of reimbursing for each service. It offers incentives for cost-effective care but can also lead to financial losses for providers.
Chronic diseases: Conditions such as cancer and diabetes that are expensive to treat.
Comparative-effectiveness research: Research into medical procedures and treatments that are most effective.
Defensive medicine: Providers performing unnecessary tests and procedures to protect themselves against malpractice lawsuits.
Employer mandate: A requirement that employers provide health insurance for employees.
Fee-for-Service: Billing for each medical procedure, test or device. The most common way payments are made in the U.S. health system.
Guaranteed issue: Requires health insurers to sell coverage to anyone who applies for it.
Health insurance cooperative: Groups of people band together to collect premiums and pay health care expenses without the help of the government or insurance. A Senate committee has proposed the creation of 50 state co-ops as an alternative to a government insurance option.
Individual mandate: A requirement that every American have health insurance, mandated by financial penalties.
Portability: The ability to take your health insurance policy with you when changing jobs or if you are laid off.
Pre-existing condition: A health condition that a patient has before signing up for health insurance.
Preventive care: Routine medical screenings that can catch and address problems in the early stages and save money.
Public option: A government-run health insurance plan that would be cheaper than alternative insurance.
Recission: Insurance companies dropping patients after they file expensive claims.
Subsidies: Financial credits from the government that are distributed to Americans based on income that could be used to purchase insurance.
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