Ryan said, “So, do we want to make sure that a person with — like yourself, with a pre-existing condition gets affordable care? Of course. Of course. There is a better way to fix that problem without giving everybody else all these massive premium increases. Deductibles are so high it doesn’t even feel like you’ve got insurance anymore. So we — obviously, I would encourage you to go to our website and take a look at our plan, but let me just give you a few ideas: We believe that state high-risk pools are a smart way of guaranteeing coverage for people with pre-existing conditions.” Think wise.
Benefits of ObamaCare: A Quick Summary of ObamaCare’s Benefits, Rights and Protections ObamaCare offers you and your family many new benefits, rights, and protections on all new major medical plans. Many benefits went into effect in 2010 when the law was signed, others didn’t start until 2014 (or later in a few select cases), some won’t be fully in effect until the 2020’s. Health plans that started after 2010, but before 2014, may have to switch to a new plan to ensure access to all benefits, rights, and protections. Plans signed before 2010 may have grandfathered status, and thus may be exempt from benefits, rights, and protections under the ACA. Learn more about what to do if you have a Grandfathered Health Plan. Here is a quick overview of the different benefits, rights and protections which are all covered in detail below and discussed in-depth on the site. Not so wise at all. • New Health Insurance Marketplaces (AKA Exchanges) allow shoppers to compare Health Plans that count as minimum essential coverage and include all new benefits, rights and protections. • Cost assistance is available to individuals, families and small businesses through the Health Insurance Marketplace. • Medicaid eligibility is expanded in 26 states to 138% of the federal poverty level giving millions of Americans access to healthcare. • Large employers must offer coverage to full-time workers by 2015/2016. • No annual or lifetime limits on healthcare. • All major medical insurance is guaranteed issue, meaning you can’t be denied coverage for any reason. • You can’t be charged more based on health status or gender. • Insurance companies can’t drop you when you are sick or for making a mistake on your application. • You can’t be denied coverage for pre-existing conditions. • The 80/20 rule and rate review provision help to keep insurers honest and keep rates down. • You have the right to quickly appeal any health insurance company decision. • You have the right to quickly appeal any health insurance company decision. • You have the right to get an easy-to-understand summary about a health plan’s benefits and coverage. • Young Adults can stay on their parent’s plan until 26. • A large improvement to women’s health services, including many new free preventive treatments and screenings. • Reforms to the healthcare industry to cut wasteful spending. • Better care and protections for seniors. • New preventative services at no-out-of pocket costs. • Essential health benefits like emergency care, hospitalization, prescription drugs, and maternity and newborn care must be included on all non-grandfathered plans at no out-of-pocket limit. • No referrals needed for OB-GYN services and access to out-of-network emergency room services without higher copays, coinsurance, or referrals. • New rules and regulations ensure that all major medical plans provide a minimum actuarial value and have a maximum out-of-pocket cost no more than $6,600 for an individual and $13,200 for a family for 2015. This is revised each year, see current limits. • Plus many more benefits, rights and protections.
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Penalizing the poor because they cannot afford health insurance?
This whole issue has been politically motivated and it's crazy to say that low income will be penalized, they are not if they truly can not afford insurance