One thing everybody seems to agree on is that the Affordable Care Act,
as we know it today, is going to be a thing of the past. The Republican
Congress and President-elect have vowed to repeal the legislation. With
the details about any replacement legislation hazy, it is time to rally
the limb loss community around two important issues.
Since
2010, prosthetic care has been considered an "essential benefit."
Essential benefits are not subject to lifetime limits or payment
ceilings. Because of this distinction, insurance companies can no longer subject their limb loss
patrons to archaic and debilitating payment caps that were rampant in
plans before 2010. Before the Affordable Care Act, $2,500 maximum
benefits and $50,000 lifetime benefits were commonplace when prosthetic
devices were covered by a plan.
With a repeal of the ACA on the
horizon and lacking another concrete plan to take its place, the
categorizing of prosthetics as an essential health benefit is in limbo.
If prosthetics lose this classification, coverage will likely revert back
to the pre-ACA norm. In other words, access to prosthetic devices will
be dependent upon the ability for the individual to pay the balance
out-of-pocket.
Consider that a $20,000 prosthetic leg, with a
$2,500 yearly cap, leaves the payer with a balance of $17,500. With
devices breaking down and wearing out, it is conservative to assume that
a new one will need to be purchased every five years. All other costs incurred with prosthetic use, including liners and sleeves, will be the sole responsibility of the patient. This financial
burden will force many to forgo prosthetic care not because they lack
the desire or the ability, but because they cannot afford to walk. Add a
lifetime cap of $50,000 into the mix and many experienced amputees will
no longer be able to rely upon private payer insurance to help fund
their medical devices. (Although it is more money up front, research
has proven that providing individuals with the prosthetic devices they
need actually results in lower insurance costs over time. More information can be found on the
Mobility Saves website.
www.mobilitysaves.org)
The
future of prosthetics as an essential health benefit is in limbo, but
there is still time to act. I am encouraging everybody to write to their
Senators and Representatives, asking them to keep prosthetic care as an
essential health benefit in the plan developed to replace the
Affordable Care Act. Congress is taking up this issue this week, and the
time to act is now!
I realize that many are uncomfortable
writing to their elected officials, but it is paramount that the limb
loss community's voice be heard. Dave, my podcast partner and friend,
and I developed some
tools to help facilitate the outreach. On our new
website you can access a
template letter that can be downloaded,
personalized and emailed to your members of Congress. (We've even
provided links to find the email addresses for your elected officials.)
Maintaining the essential health benefit status for prosthetic
devices is paramount for the access to care and the opportunities and
health benefits that come from mobility. Please find a few moments today
to
send the email expressing your support for maintaining essential
benefit status in the replacement legislation. We need to make sure that
they #DontExcludeAmputees!
Dave and I recorded a podcast discussing our concerns with maintaining essential benefit status. We encourage you to listen (even though I abhor the sound of my own voice.)