1. Live a healthier life by improving your health
Exercise, eating right, and regular checkups are important to living a longer, healthier life. Health care reform helps make it more affordable to do all three.
With ACA, many preventive services you once paid for are now available without cost-sharing when delivered by a network provider (this applies to non-grandfathered health plans only). Coinsurance, copayments and deductibles no longer apply to preventive services such as cancer screenings, nutrition and weight-loss counseling, routine vaccinations, and more.
2. Access to Standardized benefits and services
Beginning in 2014, the ACA requires that all non-grandfathered health plans, meaning those plans that were purchased or obtained after March 23, 2010, cover certain categories of benefits, known as essential health benefits. This applies to coverage you purchase on your own (individual or family coverage), as well as coverage through your employer (small groups covering 1 to 50 employees). Essential health benefits must include health care services within several categories, including:
3. Receive the care you need, without policy limits
Under the new law, beginning in 2010 lifetime dollar limits for essential health benefits were prohibited for plan years on or after Sept. 23, 2010, while annual limits were significantly limited. However, beginning in 2014, neither annual nor lifetime dollar limits on essential health benefits will be allowed. The new law applies to most covered benefits and to every health plan, whether you buy the coverage for yourself, your family or you receive your coverage from an employer.
4. Keep your policy regardless of your health
Today, if you have a pre-existing condition, you may have some difficulty finding a policy or a policy free from exclusions. You may even pay a higher premium for coverage. Starting Jan. 1, 2014, pre-existing condition exclusions will be prohibited under the ACA.
5. Coverage for adult children
The ACA allows you to add or keep your children on your health insurance policy until they turn 26. The impact of this provision has been significant. According to a recent Commonwealth Fund report, an estimated 6.6 million young adults who weren’t eligible to stay on or join their parents’ health plans prior to the ACA, did so in 2011.1
For the latest on health care reform, visit WeKnowReform.com
1The Commonwealth Fund (2012)