Healthcare reform in the United States has been a murky issue for some time. Even professionals sometimes have a hard time understanding changes in legislation and how they affect affordable health insurance. USA Health Insurance has a full staff of licensed agents who are paid to stay abreast of the newest developments in health care reform, and they’re standing by to help you find the right insurance policy for your needs. If you want to buy cheap health insurance, USA Health Insurance can help. They represent some of the biggest names in the insurance industry, such as Humana, Blue Cross Blue Shield, Aetna, and Coventry Health Care.
Healthcare Reform and what it means for you
Perhaps the biggest change to affordable health insurance because of healthcare reform is in the area of pre existing conditions. Family health insurance quotes always try to reflect the best coverage for insurance customers, and USA Health Insurance works very diligently to make sure you have affordable health insurance regardless of your health.
Reform and Affordable health insurance make sense for most
As it stands right now, pre existing conditions keep thousands of people from receiving affordable health insurance. If you are currently uninsured, you may find that you have an exclusionary period, or waiting period, before your medical conditions are covered by your new insurance policy. In 2014, with the current laws, this will change. Insurance companies will not be permitted to exclude people from affordable health insurance because of pre existing conditions such as high blood pressure, pregnancy, asthma, or cancer. Currently, USA Health Insurance strives to help you buy cheap health insurance through riders and an insurance pool. Medicare is also an option for you if you have certain medical conditions.
HIPAA and Pre Existing Conditions
Anytime you are receiving medical care for a health condition, it will be considered a pre existing condition if you wish to switch insurance agencies. HIPAA, or the Health Insurance Portability and Accountability Act passed in 1997, gives you “creditable coverage” if you already have insurance and want to switch companies. This means that the new insurance company cannot deny you coverage if you’re already insured. However, your new policy may charge you more to cover the condition you’re being treated for.
Insurance and Pre Existing Conditions
If this is your first health insurance policy, or if you have been without health insurance coverage for over 63 days, the insurance company will consider any medical condition or treatment you are receiving as pre existing. In this case, one of 3 scenarios will affect your access to affordable health insurance.
- The insurance company may exclude your medication and medical condition, and not provide coverage at all.
- The insurance company may call for an exclusionary period before they start paying benefits on the condition.
- The insurance company may choose to cover the condition, but charge you higher premiums and out-of-pocket costs.
Right now, exclusionary periods are about 6 to 8 months. If you can go that long without treatment, your new affordable health insurance company through USA Health Insurance will provide full coverage.
