The law has forced health insurance companies to focus on their members. Insurance companies are required to spend 85% of their premiums on health care, which means they cannot simply 'hike' premiums to add to their CEO bonus.
Annual exams won't cost members anything while their screening costs are mostly eliminated.
Additionally, Pharmaceutical Companies no longer are spending huge amounts of money on 'solicitation' of physicians with free trips, dinners and other perks. Those incentives have to be measured in a different way now and cannot ad to the premiums patients pay for their medications.
No one can be turned away for a pre-existing condition.
Those are all remarkable improvements in the way health care is taking shape in the USA. They are leaps forward to 'respect' of the patient and not 'esteem' for the CEO and his profit machine. Americans' health is not to be a 'profit margin.'
I am proud of this law and the protections it provides for all citizens in the USA.
2014 will be a great year.
...it’s because of this law (click title to entry - thank you) and the resulting GAO follow-up that we received a great piece of advice for people covered by private health insurance.
If you are denied coverage, file an appeal.
The GAO said the data it reviewed indicated that health insurance denials are frequently reversed on appeal. In looking at data from four states, the GAO found that 39 percent to 59 percent of appeals filed with insurers in those states resulted in the insurer reversing its coverage denial. Additionally, data from a national study on appeals conducted by a trade association for insurance companies showed that coverage denials were reversed about 40 percent of the time...
Denial KILLS.
Don't accept adverse decisions. Appeal through the processes provided to you and complain to state consumer protection agencies if your state still has one.
It works.
...At MomsRising.org, (click title to entry - thank you) we’re starting to hear how the Affordable Care Act has made a real difference for Latino families. That’s why there is no turning back for Latina moms like Tracy Muñoz of Norfolk, Virginia.
"My 21-year-old is taking a year off from school," she wrote MomsRising. "He is having to pay back school loans from the first year. He works a full-time job with a small business. He cannot afford health insurance on his own, and we cannot afford to pay for it for him. Thanks to the Affordable Care Act, we were able to add him onto my company’s policy. We were also able to stave off any premium increases, again, thanks to ACA. Health Care Reform has given us a sense of security that we all needed at a time when I have not had a pay increase in 2 years."
"I am the mother of a beautiful 6-year-old girl named Paloma," wrote Magdalena Clark of Houston, Texas. "Paloma was diagnosed with severe Autism when she was 2-years-old.
"We recently found out that with the new Health Care Reform (Affordable Care Act) we are finally able to provide our daughter with the (therapy) that she desperately needs. We are so happy. It’s been the first great news we have received in these past 4 years."...
Annual exams won't cost members anything while their screening costs are mostly eliminated.
Additionally, Pharmaceutical Companies no longer are spending huge amounts of money on 'solicitation' of physicians with free trips, dinners and other perks. Those incentives have to be measured in a different way now and cannot ad to the premiums patients pay for their medications.
No one can be turned away for a pre-existing condition.
Those are all remarkable improvements in the way health care is taking shape in the USA. They are leaps forward to 'respect' of the patient and not 'esteem' for the CEO and his profit machine. Americans' health is not to be a 'profit margin.'
I am proud of this law and the protections it provides for all citizens in the USA.
2014 will be a great year.
...it’s because of this law (click title to entry - thank you) and the resulting GAO follow-up that we received a great piece of advice for people covered by private health insurance.
If you are denied coverage, file an appeal.
The GAO said the data it reviewed indicated that health insurance denials are frequently reversed on appeal. In looking at data from four states, the GAO found that 39 percent to 59 percent of appeals filed with insurers in those states resulted in the insurer reversing its coverage denial. Additionally, data from a national study on appeals conducted by a trade association for insurance companies showed that coverage denials were reversed about 40 percent of the time...
Denial KILLS.
Don't accept adverse decisions. Appeal through the processes provided to you and complain to state consumer protection agencies if your state still has one.
It works.
...At MomsRising.org, (click title to entry - thank you) we’re starting to hear how the Affordable Care Act has made a real difference for Latino families. That’s why there is no turning back for Latina moms like Tracy Muñoz of Norfolk, Virginia.
"My 21-year-old is taking a year off from school," she wrote MomsRising. "He is having to pay back school loans from the first year. He works a full-time job with a small business. He cannot afford health insurance on his own, and we cannot afford to pay for it for him. Thanks to the Affordable Care Act, we were able to add him onto my company’s policy. We were also able to stave off any premium increases, again, thanks to ACA. Health Care Reform has given us a sense of security that we all needed at a time when I have not had a pay increase in 2 years."
"I am the mother of a beautiful 6-year-old girl named Paloma," wrote Magdalena Clark of Houston, Texas. "Paloma was diagnosed with severe Autism when she was 2-years-old.
"We recently found out that with the new Health Care Reform (Affordable Care Act) we are finally able to provide our daughter with the (therapy) that she desperately needs. We are so happy. It’s been the first great news we have received in these past 4 years."...
