Insurance plans will no longer be able to deny you coverage based on pre-existing conditions. Visit www. In , Medi-Cal will expand to cover more people. Individuals and small employers can buy health insurance through Covered California. Covered California will allow you to easily compare health plans and enroll. If you already have health insurance, you can keep it. Adults won't receive this coverage until In the meantime, adults who have been uninsured for six months and have a pre-existing condition will be entered into a new program known as the "high-risk pool.
Dropped Insurance Coverage: Everyone's worst fear is having their insurance coverage dropped when they get sick—especially people with neurologic diseases.
However, effective September , it will be illegal for insurance companies to drop people from their coverage when they become ill. This applies to all new and existing insurance plans. And of course, prior to the reform, they had difficulty obtaining other insurance. Lifetime and Restrictive Annual Limits: In September, insurance companies will no longer be able to place lifetime limits on coverage costs.
This provision is important to any patient with a chronic neurologic condition, according to Elaine C. Jones, M. Chronic conditions such as multiple sclerosis , Parkinson's disease , or Alzheimer's disease require ongoing treatment.
Families and individuals who need to purchase coverage outside their job face many unfair practices in the health insurance market place and are forced to pay exorbitant prices since they cannot exert the purchasing power of a large group.
Private insurance companies will compete for this business based on cost and quality. Consumers will be able to easily compare different insurance coverage options and get help with health insurance questions. The plan includes premium assistance tax credits for low- and middle-income Americans that will limit the amount of income they spend on their health care premiums.
These small businesses will also be eligible for tax credits to help them offset the cost of the health insurance for their employees.
These new approaches will support enhanced communication and coordination among health care providers—and between doctors, patients, and their families—to prevent problems such as harmful medication drug interactions, conflicting diagnoses, and duplicate tests and procedures. Families will be guaranteed more comprehensive health care coverage. In addition to physician and hospital care, health plans will be required to cover maternity and newborn care; pediatric services, including dental and vision care; prescription drugs; laboratory services; and mental health services.
They also will have to offer a sufficient number of specialists and hospitals in their networks to meet the full range of health needs for those enrolled in their plans. Falls into one of four metal tiers. If you don't have health insurance Health care reform has made it possible for more people to get coverage.
Health insurance companies can't turn you down because you're sick or have a medical condition. They also can't charge you more based on your health.
You may get help paying for your plan, or be eligible for plans with lower deductibles and other cost sharing. This help is called a subsidy.
More people are now eligible for coverage through the state of Michigan that costs you very little or nothing. Related items Does my health plan cover breast pumps? What does health care reform mean for young adults? If I'm nearing 65, what does health care reform mean for me? Does the health care reform law require everyone to buy insurance?
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