Five Benefits of the New Health Care Law
Changes to the health care system affect everyone, Today you can take advantage of five major benefits of the new health care law, and several other important provisions will go into effect by 2015.To help you better understand the Affordable Care Act, which became law in 2010, by the federal government this essay explains what's changing and when and also describes the details of the five most essential benefits that you can take advantage of today they are:
1. Coverage for Children with Pre-Existing Conditions
Previously: Health plans could limit or deny health coverage to children with pre-existing conditions, such as ...view middle of the document...
Now: Health plans can no longer put limits on the amount of care someone needs.
3. Young Adults Can Remain In Their Parents Health Plan
Previously: Health plans could exclude young adults from their parent's health insurance when the individual reached a certain age or became a full-time student.
Now: Young adults can remain in their parent's health plan until they turn 26. "For young people, it's important that they have health insurance so that they can focus on their career and not worry about where they are going to get coverage.
4. Preventive Care and Services
Previously: Some health plans were allowed to charge beneficiaries for the costs of certain preventive care measures.
Now Some health plans are now required to provide different types of preventive care services without co-pays, coinsurance or deductibles. Some of these services include mammograms, colonoscopies, vaccinations and prenatal care. "Because of the cost, people would often use preventive care services at half of the recommended rate.
5. New Medicare Benefits
Previously: Beneficiaries of Medicare drug plans that reached the gap in coverage called the "Donut Hole" had to pay for the cost of the prescriptions they needed.
Now: People with high prescription drug costs that reach the "Donut Hole" receive a 50% discount on brand-name medications covered by their plan. "It's a big step towards closing the 'Donut Hole' within the next 10 years.