AARP recently reported if you’re in the 49 to 67 age group – the span of the Boomer generation – you may be confused about how the new 2014 health care laws will affect you. While there is quite a bit of information to know about the health care laws, here are some basic facts about what you can expect:
1. Health insurance will be easier to get: A range of health care plans and lower costs will be available so that you can find a healthcare plan that works for you and your family. An option to get financial assistance to help with the costs of health insurance will also be available.
2. Health Insurance Marketplace helps you decide. All the available health insurance plans are available in one easy to access place for your state. They’re to be written in simple, easy to understand language so there’s no question what their benefits are. You’ll also be able to make comparisons between the benefits and prices of the plans available.
3. Questions can easily be answered. You can get help deciding which plan is right for you, and help with completing the application from representatives in person, online or by phone.
4. All plans have to cover the basics. You won’t have to wonder if your particular plan will cover certain things – all the essentials (office visits, hospital care, emergency room care, prescriptions, etc), will be covered.
5. Health insurance will be more affordable. Health care reform came into being because many Americans cannot afford to carry health insurance on themselves or their families. With the new laws, health care will be less costly, making it within doable reach of every American. You can get financial assistance to help pay for your insurance. In addition, low cost and even free plans will be available depending on your income.
6. Preventative care important. Routine screening tests like mammograms, blood sugar, cholesterol, immunizations, stop smoking, diet counseling programs, and much more, will be covered. Finding a potential problem early and treating it can prevent your health from deteriorating further and keep your health care costs low.
7. Guaranteed coverage. You cannot be denied health care insurance if you have pre-existing conditions like diabetes, heart disease, hepatitis, cancer, etc. If your health changes while your policy is in force, you health insurance cannot be canceled or your coverage changed.
8. No dollar limits on your care. Previously, health insurance carriers could limit how much care your plan would cover in a year, or a lifetime, which left people open for overwhelming medical bills. The new laws will have no dollar limits on coverage.
9. Kids up to age 26 are covered on your plan. Now, you will be able to extend health care insurance to cover your kids, even if they’re married, or living alone, as long as they’re under age 26.
10. Doctors, not Bureaucrats, make decisions for their patients. Many people are concerned that the new health care laws will allow someone in Washington to decide the fate of their treatment. Someone may decide they’re “too old” or their health “too risky” for surgery, or newer treatments, drugs, won’t be covered, or they’ll be forced to take treatments based on what their insurance plan will cover.
Under the new health reform law, this won’t happen. The American Medical Association specifically recommended language changes to the reform laws that guaranteed doctors the right to appropriately treat their patient’s conditions – no matter their age or their health condition or which treatment or procedure they felt was best. This means doctors are free to reject certain research findings, if they see fit. Previously, health care insurers, including Medicare, relied on research findings to decide which treatments to cover or deny coverage to. Now, doctors alone will decide which is best for patient.