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Affordable Care Act (ACA)

05:58 EDT 22nd September 2017 | BioPortfolio

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

Coverage

 

  • Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
  • Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
  • Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
  • Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

  • Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
  • Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
  • Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

Care

  • Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
  • Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
  • Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.

Source: http://www.hhs.gov/healthcare/rights/

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