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Healthcare Reform Q&As
What is the health care reform law?
<p>The Affordable Care Act (ACA) was signed into law in 2010. Some aspects of the law were implemented immediately and some will be phased in over time, through 2014. Here are some important provisions of the law:</p><ul><li>Insurance companies are now required to justify rate hikes, and consumers have the ability to appeal to an independent third party when insurance companies refuse to cover services or care.</li><li>The Pre-Existing Condition Insurance Plan (PCIP) provides insurance to people with health conditions who have been uninsured for six months, helping those with cancer or other serious conditions to get the treatment they need.</li><li>ACA eliminates insurance companies' ability to place annual and lifetime caps on coverage and cancel insurance when individuals need it most, such as expensive cancer treatments or traumatic injuries like automotive accidents.</li><li>The law provides for zero out-of-pocket costs for preventive care like mammograms, colonoscopies, well-woman check-ups, prostate exams, and immunizations when services are received from in-network providers.</li><li>Young adults are now eligible to stay on their parents’ health insurance plans as they enter the workforce, until they turn 26.</li><li>Starting in 2014, all Americans will have access to affordable health insurance no matter their circumstances—whether they change jobs, lose their job, decide to start a business, or retire early.</li></ul><p>Before the ACA, individuals who had no health insurance used the services and resources of emergency rooms to treat conditions such as sore throat and other minor illnesses. As a result, the astronomical cost of providing this high-level of care to the millions of uninsured in this country has resulted in higher premiums, higher health care co-pays, limited coverage, but ironically higher profits for insurance companies.</p><p>The ACA focuses on preventive care that allows individuals to have a peace-of-mind about managing their health so they can focus on work, family, and other important liberties!</p><ul></ul>
- QIs breastfeeding counseling covered by the Affordable Care Act?
- QIs contraception covered by the Affordable Care Act?
- QHow will the Affordable Care Act help if I have a preexisting condition?
- QHow does the Affordable Care Act help reduce healthcare costs?
- QHow does the Affordable Care Act help improve long-term care?
- QWhat does the Affordable Care Act mean for the general public?
- QWhat are the advantages of buying health insurance through an exchange?
- QHow does the Affordable Care Act change the way health insurance works?
- QCan I get tax credits to help me pay for health insurance?
- QWhat does the Affordable Care Act mean for me if I'm uninsured?
- QWhat does the Affordable Care Act mean for me if I buy my own insurance?
- QWhy is it taking so long to reform the U.S. healthcare system?
- QAre emergency room visits covered under health insurance plans?
- QHow will U.S. healthcare reform affect my quality of care?
- QUnder U.S. healthcare reform, what is a “health home”?
- QWhat gaps in access to insurance are addressed by U.S. healthcare reform?
- QWhat are the health care reform changes?
- QWhere can I find out more about health care reform?
- QDoes the health care reform law affect Medicare Part D (pharmacy) coverage?
- QWhat does the new healthcare law mean for African Americans?
- QDoes the new healthcare law benefit early retirees?
- QWill the new healthcare law reduce waste, fraud and abuse?
- QHow does the new healthcare law improve insurance practices?
- QHow does the new healthcare law improve long-term care services?