The Patient Protection and Affordable Care Act, better known as the Affordable Care Act (ACA) was first passed into law on March 23, 2010. However, in June of last year, the constitutionality of the law was questioned, and The Supreme Court upheld the law. Claim Your 20 Free Pregnancy Tests – Click Here
Recently, a review was published in the American Society for Reproductive Medicine, Fertility and Sterility, explaining what exactly the law means and how it is going to change things for fertility patients. Read on for more info about the Affordable Care Act, also known as “Obamacare.”
The Affordable Care Act is likely to bring about many changes as far as women’s health care goes. One of the biggest changes is that all women are guaranteed the right to maternity care and gynecologic care no matter what kind of pre-exisiting conditions they may have.
They will not be denied based on their fertility struggles, prior pregnancies, or prior c-sections that they might have had. Every single state-run health plan is going to have a set of Essential Health Benefits. These benefits are things that are guaranteed to any and all patients and must be included in every single health plan.
For women who are trying to get pregnant, the biggest benefits include: Ambulatory patient services, Hospitalization, Maternity and newborn care, Prescription drugs, Laboratory services, Preventive and wellness services and chronic disease management, and Pediatric services, including oral and vision care.
While there are no Essential Health Benefits listed that apply specifically to fertility patients, there are some things that the Affordable Care Act will change for fertility care. The Affordable Care Act will change the amount of fertility treatments that can be deducted through taxes, from 7.5% to 10% of a patient’s adjusted gross income.
More big news? Patients that have Flexible Spending Accounts can set aside up to $2500 per person for fertility treatments starting this year. This will be a big help for families who need to pay for medical expenses that are not covered by insurance.
The Affordable Care Act also means big changes for families who wish to adopt. With the ACA, the adoption tax credit of $13,360 will become a refundable tax credit rather than a per child tax credit. Also, for couples that wish to use a gestational carrier, or surrogate, the financial burden for these couples will also likely be lessened, as maternity care for all women will be included automatically.
The permanent impact of the Affordable Care Act will still remain to be seen. While the new laws and regulations could potentially make it more difficult for some families to pursue fertility treatments like IVF, there are good sides to the Affordable Care Act as well. The tax credits for adoption, guaranteed maternity care, and gynecologic care for all women will make it easier for most families to have children.