You will soon have access to health coverage, even if you have a pre-existing condition. And premium tax credits and other financial assistance will help you pay for health insurance if you are eligible.
Below are some things you should know about the Affordable Care Act. If you want to get more detailed information about the new health care law, read about each of the provisions.
You can compare plan prices and benefits from a number of health insurance companies offering coverage on the Marketplace. You can apply for coverage online, over the phone or with a paper application. Enrollment is now open for insurance coverage to begin Jan. 1, 2014.
Most preventive care will be fully paid by your premium — like certain screenings to check for conditions such as diabetes or mammograms for early cancer detection. And, so long as you visit a doctor in your health plan's provider network, you won't have to pay a copay, co-insurance or deductible for annual wellness exams or immunizations.
Beginning in 2014, most insurance plans — whether they are purchased on the Health Insurance Marketplace or directly from an insurance company — will include a standard package of health care benefits. They are:
Most limits to keeping your adult children on your coverage have already been removed, whether or not your son or daughter is a full-time student, lives with you, is disabled or is a tax dependent.
Like today, you will choose your primary care doctor or pediatrician from any in your health plan's provider network. And, you can see an OB-GYN and pediatrician without another doctor's referral.
The Affordable Care Act ensures that you can seek emergency care at a hospital outside your plan's network without prior approval from your health plan.
When you enroll in insurance, you'll get a summary of benefits and coverage offered by the plan, with easy-to-understand descriptions and examples of your health insurance benefits.
You can ask your health plan to reconsider if payment for a service or treatment has been denied. If payment is still denied following an appeal process, it can be reviewed by an independent review organization.
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