The Serious Business Of Managing Your Health
Ladies and gents, your health care just improved with more improvements ahead … but this ACA (Affordable Care Act) battle isn’t over.
As of August 1, 2012, the health reform law is now providing women more preventative healthcare services, including expanding reproductive health care, available for free without copayments or deductibles if you have health insurance.
Currently, as reported on The Rachel Maddow Show, the ACA covers the following as of:
JULY 1, 2010
- HELP FOR PEOPLE WITH PRE-EXISITING CONDITIONS
SEPTEMBER 23, 2010
- ILLEGAL TO DENY COVERAGE TO KIDS WITH PRE-EXISTING CONDITIONS
- ADULTS CAN STAY ON PARENTS’ INSURANCE UNTIL AGE 26
- NO DROPPING COVERAGE OVER A CLAIM
- NO MORE LIFETIME CAPS ON BENEFITS
- FREE MAMMOGRAMS & COLONOSCOPIES
JANUARY 1, 2011
- FREE PREVENTIVE CARE FOR SENIORS
- INSURANCE COMPANIES MUST SPEND 80-85% OF PREMIUMS OR REFUND MONEY
The health reform law will be instituting additional coverage in the coming months. On January 1, 2013, Medicaid will expand its preventive healthcare coverage, and primary care doctors will get higher payments for treating people on Medicaid.
On January 1, 2014, insurance companies will no longer be allowed to deny coverage to anyone with a pre-existing medical condition; nor will insurance companies be allowed to charge women more for their health insurance just for being women; nor can insurance companies set a yearly cap, or lifetime cap, on what the insurance companies are willing to spend on your health care.
At this time, insurance companies are paying out over a billion dollars in refunds for not spending enough on actual health care from what you paid them in premiums.
The battle to overturn this legislation is still being waged; so, be aware of the savings that are being implemented and be warned of the costs if this law is repealed.
Healthcare costs are one of the biggest threats to our financial security. It behooves us all to give precedence to this vital issue, especially regarding our vote in elections – to choose candidates who best represent our needs and act on behalf of our best interests, not theirs. The choice that we make with our vote could quite literally be a life-saver!
(video 18:53)
Love this post, so informative and simple, lays out the new health care laws and what it means to me. Thanks for the post!!