Is it hard to find health insurance for people with preexisting conditions?
In the past, it was very difficult for people with preexisting conditions to find adequate health care. Those who were accepted found themselves dipping deep into their pockets each month to pay hefty premiums. Luckily, the U.S. Government drafted a bill called the Affordable Health Care Act, which makes provisions for those who have been denied health insurance because they have preexisting conditions. In 2010, the bill became a law.
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While it is understandable that health insurance companies need to protect their interests, it is difficult to conceive that people who require health insurance cannot get it. This is why the Affordable Health Care Act has proven critical to so many people. One article in AARP even goes on to state that this new law will actually change and save lives.
When did the Affordable Health Care Act become effective?
The bill was signed and passed in March of 2010. There are stages however and time frames associated with each stage. On January 1, 2014, the law will be completely effective. There were attempts to overturn the law this year, but the objections were quieted and no changes were made. When the clock strikes 12 midnight on January 1, 2014, it will be illegal for any health insurance company to deny health coverage regardless your medical history.
The news gets better. This means adequate treatments for so many people suffering from terminal disease or chronic illness. For years, patients like these have been denied health insurance benefits or made to pay astronomical premiums.
It is expected that there will be hesitation from patients and health insurance providers over the next couple of years. After all, this is a drastic step away from traditional health care and it will take a while to adjust. In the end, having appropriate health care is something that should be made available to everyone and at a comparable price, especially for those who need it most.
Will healthy, low-risk people receive a discount now?
It depends. You may see substantial reductions in your health insurance premium or no change at all. From a broad spectrum, the savings will be phenomenal. As a country, billions of dollars will be saved. Your savings may vary greatly as an individual. If you currently have a health insurance through your employer, your rates may remain stable. If you have private insurance, your rates may drop slightly.
There is also the possibility of your rates increasing slightly over the next couple of years. Because so many Americans are not insured, there will be an influx of new applications. This may cause a shift in the health insurance finance market. If a health insurance company is negatively affected, they may need between 12 to 18 months to make the transition. As a result, your rates may fluctuate temporarily.
The Affordable Health Care Act is making major changes towards health care in the United States; this is true. However, the primary focus is helping those who do not have health insurance coverage. This usually means people who have a low income, small children, or serious medical conditions.
When can I add my newborn that was born with asthma?
As of September 23, 2010, any child with a preexisting condition cannot be denied health insurance benefits. Additionally, when your child requires medical aid you will also have the added benefit of being able to see the physician you choose. This is a huge breakthrough for people who have watched their children suffer needlessly because of insufficient or no health care.
Once covered, your child will also be able to receive emergency aid without restrictions and all routine treatments. A regular office visit will not result in extreme co-payments or bills in the mail 30 days later. You will have peace of mind knowing that your child will have the best medical attention without draining your wallet dry.
With millions of Americans unable to receive the proper type of medical assistance for so long, it is no wonder that there are so many people living with chronic illnesses. Too many times something as simple as health insurance is taken for granted, especially if you are relatively healthy.
Now, every person has an opportunity to seek medical attention and receive top-notch care from professionals. It is extremely important to remember how long it took to reach this point in American history so the future continues to move in a positive direction.
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