New Jersey Health Insurance Benefit Analysis
According to the National Conference of State Legislature, on the mandated health insurance benefits, there are regulations that New Jersey State is yet to meet in basic healthcare provision. Moreover, based on the insurance mandate, New Jersey’s state not for profit healthcare services is not adequately covered. The law does not provide clear guidance on how to apply the rule in states that offer subsided healthcare. The challenge arises when hospitals in states such as New Jersey seek tax exemption in the disguise of not-for-profit healthcare providers. However, such hospitals have been associated with for-profit activities such as liaising with for-profit subsidiaries run by for-profit physicians.
According to the universal health care mandates in the United States, it can be concluded that New Jersey does not necessarily have better health insurance mandates as compared to other states. In fact, according to Schencker, the unique non-profit plan used in the state has contributed to the aggressive debt collection used by state mechanism on patients.
The Affordable Care Act (ACA) plays a significant role in the mandates by providing for standard coverage rates across all states in the United States. In simple terms, the ACA will make sure citizens can access any form of healthcare despite their geographical location as this will be cost effective and time management considered. On the same note, insurance providers will cover certain mandated benefits without any additional charges. Finally, the ACA plays a significant role in setting the requirements needed for one to qualify for state and federal healthcare insurance benefits. Nonetheless, every state has the liberty to restrict, repeal, or modify the mandates that had been passed before the enactment of the Affordable Care Act.
NCSL. “State Insurance Mandates and the ACA Essential Benefits Provisions.” Ncsl.org. Web. 5 Apr. 2016.
Schencker, Lisa. “Not-For-Profit Hospital’s Tax Exemption Case Could Signal Trouble for Others.” Modern Healthcare 2015: N.p. Web. 5 Apr. 2016.