The Affordable Care Act, passed in 2010, strives to make health insurance plans and health care in general, more affordable to Americans. People have the ability to make health decisions that directly impact their lives under the Patients’ Bill of Rights. The business insurance team at Uhrhammer Insurance Agency, located in Saint Croix Falls, WI, explain the coverage options, premium costs, and health care options the Patients’ Bill of Rights under the Affordable Care Act provides.
The Affordable Care Act makes it easier for many people to receive health insurance, appeal denied claims, and stay insured with their current plans. Health plans are no longer able to deny benefits to children under age 19 due to pre-existing conditions, and anyone under 26 years old can join or stay on their parents’ plan. People are also able to appeal their insurance’s decision to deny their claim or drop their coverage. Also, under the act, insurance plans are prohibited from canceling your coverage if there was a mistake on your insurance application.
Under the act, the prices for health care are better managed and the lifetime coverage limit was banned. Previously, many health insurance plans set an annual limit on their spending for your benefits, forcing the consumer to pay the remaining costs. The act also forces insurance companies to explain premium hikes and to spend the premium dollars they receive almost entirely on health care.
Patients are better able to make their own choices regarding their health care services and doctors. Under The Affordable Health Act, you may be able to receive preventative health services without any co-payment. You can also receive emergency services at any location, regardless if the hospital is out of your network. You have the ability to choose any primary care doctor from your plan’s network as well.
Let the business insurance experts at Uhrhammer Insurance Agency help you choose the home and renters insurance policies to protect your important assets. Call (715) 483-9129 for more information about the umbrella insurance coverage, or visit the website to learn more about the business insurance policies available.