Affordable healthcare myth buster - KCTV5

Affordable healthcare myth buster

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(Source: CBS 5 News) (Source: CBS 5 News)
PHOENIX (CBS5) -

You've been hearing a lot of different opinions about the Affordable Care Act. CBS 5 Advocate Dave Cherry is giving you the facts.

Myth: "If you're uninsured and don't buy coverage on the federal marketplace starting on Oct. 1, the worst case scenario is you'll have to pay a penalty of $95."

Fact: Some people who remain uninsured won't have to pay the fee, but most will. The fee for 2014 that you'd pay with your tax return is $95 per adult and $47 to $50 per child or 1 percent of your household income, whichever is higher. You could pay more than $95 depending upon your income. The fee increases every year. By 2016, it'll be $695 a person or 2.5 percent of income.

Myth: "Adult children who've been on their parent's plan will now need to get their own coverage."

Fact: Children up to the age of 26 can be added directly to their parent's marketplace plan. It doesn't matter if the child is married, not living with the parents or attending school. It also doesn't matter whether the child is dependent on their parents or if the child is eligible to enroll in an employer plan on their own. Under the act, kids are covered up to age 26.

Myth: "Insurance coverage on the government marketplace at healthcare.gov won't be comprehensive."

Fact: All health plans must have what are called essential benefits and they are comprehensive. You're covered for emergency room visits, hospital stays, medications, free preventative services and much more. Plans can offer additional coverage and you can compare them side-by-side at the marketplace, but all plans need to meet this minimum standard.

Myth: "You won't be able to choose your own doctor."

Fact: The government is not choosing your doctor or telling the doctor how to treat you. You will continue to have the right, just as you do now, to choose any primary care physician you want from your health plan's provider network and add new protection for women - you won't need a referral to see an obstetrics and gynecology (OB/GYN) doctor.

Myth: "The government will create panels to decide your healthcare and whether you live or die."

Fact: There are advisory boards to study treatments and ways to keep costs down, but these so-called "death panels" are a myth. Your healthcare is in the hands of you and your doctor. The Affordable Care Act regulates insurance, not care.

Copyright 2013 CBS 5 (KPHO Broadcasting Corporation). All rights reserved.

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