The Case Of Having Sleep Apnea

No one plans to have oneself or a family member diagnosed with a chronic disease or to be involved in a debilitating accident. Unfortunately, these situations are all too familiar and can happen every day. Having health insurance when these life changing events occur can provide a person or family

According to Chaffee, Mason, and Leavitt (2007) this act provides coverage for up to 32 million of the 45 million uninsured by 2010. It prevents insurance companies from denying coverage to those with pre- existing conditions and also inhibits these companies from removing coverage from people who develop serious illness (Open Congress, 2009). Moreover, it blocks insurance groups from applying annual and lifetime caps on coverage (Chaffee, Mason & Leavitt, 2007).

Patient protection and affordable care act was enacted in 2010 with the main purpose of minimizing the cost, improving the obtainability and affordability of health insurance. Uninsured rate will decreased at a faster rate.. It will achieve healthcare reachability to as many people as by extending public and private insurance. The Affordable act has included following: any one with pre-existing condition can not be denied of coverage, children under 26 may be eligible for coverage under their parents insurance, insurance companies can not cancel your coverage due to withdrawals.

As it stands insurance companies now can no longer refuse coverage based on preexisting conditions or health status. In other words insurance is now guaranteed issue.

Prior to the law, insurers dictated who received coverage and were able to rescind or deny coverage to consumers. The Affordable Care Act includes a Patient Bill of Rights, a provision protecting consumers from the worst abuses of the insurance industry. It allows consumers to compare health insurance coverage options and pick the coverage that works for them. Because of the act, middle and low-income families are offered tax credits that cover a significant portion of the cost of coverage. The law also prohibits insurance companies from denying or unjustly limiting coverage to their consumers.

Insurance companies and health care providers have several methods of controlling prices and making profits. The ACA makes efforts to restrict the high costs of health care through new limits on out of pocket costs, removal of life time limits in insurance companies, and placing restrictions on denial of coverage to enrollees with preexisting conditions. The lifetime limits and high out of pocket costs are ways for insurance agencies to spend less money on their beneficiaries. By restricting access to care for those with preexisting conditions, they limit the amount they need to spend on expensive treatments for patients with conditions such as cancer and HIV which can cost companies millions of dollars. These changes will grant care to those that need it the most. In addition to controlling the cost of services provided to enrollees, there will also be changes in prices for insurance itself. The law establishes insurance exchanges that will help regulate the premiums for insurance by keeping companies and their rates

The ACA has created certain restrictions on insurance companies which limits insurance companies from ending contracts and denying patients of medical coverage because of a patient’s medical

The ACA has created certain restrictions on insurance companies which limits insurance companies from ending contracts and denying patients of medical coverage because of a patient’s medical

The Patient Protection and Affordable Care Act is a health care reform that improves access to affordable health coverage for everyone and protect consumers from abusive insurance company practices. Toni Scherling, a nurse practitioner I’ve interviewed informed me that in the past, insurance companies would take advantage of their clients: “They could deny coverage to children who had asthma or were born with a heart defect and could put a lifetime cap on the amount of care they would pay for. (Nurse Scherling)”

The Act also contains an increase in consumer insurance protections. The Act restricts the ability of insurance companies to implement lifetime caps on insurance coverage; to exclude coverage for children with pre-existing conditions; prohibits insurance companies from cancelling coverage except in cases of fraud; and to establish safeguards against unreasonable increases in insurance premiums.

Healthcare insurance is an important benefit everyone should have, but before the “Affordable Care Act,” health insurance was too expensive for families to pay for. Those who could afford the high cost would need to be in an excellent health state before any insurance company would accept to be their healthcare coverage provider. Meaning that individuals who already had a preexisting medical condition would be denied by insurance companies, which made it tough to get coverage without being extremely healthy.

In order to guarantee access to affordable health insurance, the law prohibits discrimination based on the health status of the individuals, which means that insurance companies must allow the

However, it has ultimately had a negative impact on those who are terminally-ill and the parents of children with critical illnesses, such as cancer. The Act requires health plans to cover those with pre-existing conditions (Health Insurance). In fact, insurance companies are not supposed to look into your medical history at all when processing one’s request for coverage. Also provided in the care are “screenings and diagnostic tests for little to no cost” (Health Insurance). While this may be helpful for the average, healthy individual, those who are already battling diseases are no longer affected by this provision. In addition to the previous requirements, the Affordable Care Act also “prohibits charging sick individuals more than healthy individuals” (Health Insurance). In theory this seems fair, but after taking a closer look, one can find major flaws within the

A "qualified health plan" under the Affordable Care Act may not include pre-existing condition exclusions. People with chronic conditions may not be denied coverage because of their illnesses and insurance companies may not cancel a policy should a person become ill.

The ACA requires insurers to accept all applicants, cover certain conditions, and charge the same rates despite one 's sex or pre-existing health status. There are ten provisions that make up the ACA which were to be implemented over time, from 2010 through 2020. The first provision is individual insurance, which prohibits insurers to deny coverage based on one 's pre existing health conditions. States were also required to make insurance available to children who are not insured through their families. Medicaid was also expanded to include individuals and families with an average income of thirty thousand dollars a year. This mandate will not cover those who are illegal immigrants, eligible individuals who choose to not be enrolled in medicaid, those who choose to pay the penalty, individuals whose insurance would cost more than 8% of their income, and those who live in states that opt out of the medicaid expansion.