The Healthcare Overhaul and You

May 25, 2010 at 6:42 pm Leave a comment

CaduceusWhether or not you agree with it, healthcare reform (officially the Patient Protection and Affordable Care Act, PPACA) in America is a reality. America’s healthcare system will change in ways that will affect all Americans in the future.

There is tons of information about changes and potential changes available on the web. But ECNV reminds you that not everything you read on the web is true.

Here is a brief list of facts about the new law that was compiled from various reliable sources.

  • If you get insurance through a job, you can keep it.
  • All people will be able get health insurance. Insurers cannot deny coverage to children based on a pre-existing condition starting in September 2010. Beginning in 2014, insurers will not be able to deny anyone because of their health history or pre-existing conditions.
  • You will be able to compare health plans side-by-side before you purchase them (starting in 2014).
  • Health insurance will not be allowed to set a limit to your coverage.
  • If you are on Medicare, benefits will improve through incentives offered for providing care. One of the big improvements will be the gradual closing of the doughnut hole (see the article elsewhere in this issue). Also beginning in 2011, proven preventive services will be free.
  • Beginning in 2014, everybody will have to have insurance. You’ll have to obtain it either through your job, from Medicare or Medicaid, or purchase it yourself. If you don’t have insurance, you’ll pay a fine, but if you qualify for it, you can get help paying for insurance. If you truly can’t afford it, you will be allowed to opt out of coverage (and avoid the penalty for non-insurance).

By Tony Trott, ECNV Peer Mentor & Editor
Article from the ECNV Declaration (Spring 2010 Edition)

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Entry filed under: Newsletter - The ECNV Declaration. Tags: , .

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