employer-sponsored insurance (ESI) is
also likely to increase next year, thanks
to the full implementation of the ACA
employer mandate. (Currently, about
60 percent of New Jerseyans are covered either under ESI or Tricare, the
insurance program for active military
personnel.) This year, larger companies—those with 100 or more full-time
employees—were required to offer insurance to 70 percent of those workers
or face a fine. Next year, this threshold
will rise to 95 percent of full-time
workers. Also next year, Washington
will require smaller companies with
50 to 99 full-time workers to offer
health coverage to their workers or
incur a penalty.
IN NEW JERSEY, AS IN OTHER PARTS of
the country, expanded insurance coverage has resulted in better access to care.
In the reform survey, the overwhelming
majority of New Jerseyans with insurance report no trouble finding a doctor.
Three-quarters say they have a customary source of care—that is, their own
primary-care physician or other health
care professional—and 7 in 10 say they
went for a checkup last year.
But for too many of the newly
insured, the tendency to access non-emergency care in a hospital rather
than through a scheduled visit with
their primary care physician persists.
“It’s a cultural change we’re trying
to educate patients to make,” says Dr.
Susan Walsh, vice president of community medicine and Accountable Care
Organization (ACO) medical director
at Jersey City Medical Center, part of
Barnabas Health. (Under Obamacare,
an ACO—formed by a set of primary
care physicians, specialists, hospitals
and others—is intended to offer a cost-effective, more-value-for-the-buck
alternative to the traditional Medicare
One of the tools the hospital wields
is a staff of ACO navigators, whose job
in part is to assist the newly enrolled in
finding primary care that is in-network
and accessible in terms of location,
hours, and languages spoken. Once such
care has been secured, the hospital also
offers financial incentives such as reward
points and discounts at local merchants
FAMILIES ARE COMPLEX.
FAMILY LEGAL MATTERS
CAN BE EVEN MORE SO.
YOU DON’T HAVE TO
FACE THEM ALONE.
DOMES TIC PARTNERSHIPS
POS T-JUDGMENT ISSUES
CHILD RELOCATION ISSUES
PRENUPTIAL AGREEMEN TS
RIKER DANZIG FAMILY LAW.
EXCELLENCE AT WORK.
To find out more, contact
Sandra Fava, Esq.
at 973.451.8453 or
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