[Nfbk] New Health Care Act

[Joey Couch]

I thought some of you may find this information handy.
From: John Glisson <j.glisson at insightbb.com>
Date: Mon, 27 Sep 2010 11:31:49 -0400
Subject: [ip-friends-for-life] New Health Care Act



For Your Information:

Welcome to a New Era in Health Care: Affordable Care Act Goes into Effect
Revolutionary Health Care Law Takes Effect

>From the HealthCare.gov at the Department of Health and Human Services
(9.23.10):


Today [the six month anniversary of the signing of the Affordable Care
Act - ACA], a number of benefits are beginning to take effect.

Insurers will no longer be able to:

Deny coverage to kids with pre-existing conditions. Health plans
cannot limit or deny benefits or deny coverage for a child younger
than age 19 simply because the child has a pre-existing condition like
asthma.
Put lifetime limits on benefits. Health plans can no longer put a
lifetime dollar limit on the benefits of people with costly conditions
like cancer
Cancel your policy without proving fraud. Health plans can't
retroactively cancel insurance coverage - often at the time you need
it most - solely because you or your employer made an honest mistake
on your insurance application.
Deny claims without a chance for appeal. In new health plans, you now
have the right to demand that your health plan reconsider a decision
to deny payment for a test or treatment. That also includes an
external appeal to an independent reviewer.
Consumers in new health plans will be able to:

Receive cost-free preventive services. New health plans must give you
access to recommended preventive services such as screenings,
vaccinations and counseling without any out-of-pocket costs to you.
Keep young adults on a parent's plan until age 26. If your health plan
covers children, you can now most likely add or keep your children on
your health insurance policy until they turn 26 years old if they
don't have coverage on the job.
Choose a primary care doctor, ob/gyn and pediatrician. New health
plans must let you choose the primary care doctor or pediatrician you
want from your health plan's provider network and let you see an
OB-GYN doctor without needing a referral from another doctor.
Use the nearest emergency room without penalty. New health plans can't
require you to get prior approval before seeking emergency room
services from a provider or hospital outside your plan's network - and
they can't require higher copayments or co-insurance for
out-of-network emergency room services.

Joey Couch
cell phone 606-216-8033
email
joey.couch at gmail.com
or
ki4vjd at arrl.net
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