Our team at Elite Benefits Group has been working in the health insurance industry for many years, and we have seen the effects of the Affordable Care Act up close. This legislation made health insurance more affordable, making it possible for countless households to get coverage for the first time.
However, over the years, a lot of misinformation has sprung up around the Affordable Care Act, so we have put together this article to dispel the most common myths.
- Myth: The Affordable Care Act doesn’t let you choose your doctor. One popular myth about the Affordable Care Act is that it will prevent you from choosing your own care provider or prevent you from continuing to go to the doctor you have seen for years. This is not true — the act can’t control which doctor you do or don’t see. However, the ACA also can’t guarantee that you will be able to keep your current doctor, as employers are still free to change their coverage options, just like they could before the law was passed.
- Myth: The Affordable Care Act forces you to buy insurance, even if you already have Medicare. This misunderstanding probably arises from confusion about the term “individual mandate.” Rest assured, however, that if you already have Medicare coverage, you will not need to buy other types of insurance unless you choose to.
- Myth: The Affordable Care Act increased wait times for care. While we understand why you would worry that wait times would increase in response to this act, the data simply doesn’t support this conclusion. Wait times have remained about the same or have gone down in some cases.