Holding Insurance Companies Accountable
Under the law, patients have more rights and protections – and more security that their coverage will be there for them when they need it. For example:
- No more pre-existing condition denials for children: The parents of over 17.6 million children with pre-existing conditions no longer have to worry that their children will be denied coverage because of a pre-existing condition.
- No more lifetime dollar limits on coverage: 105 million Americans no longer have a lifetime dollar limit on essential health benefits. Annual dollar limits are set at increasingly higher amounts until January 1, 2014 when most plans issued or renewed are banned from having an annual dollar limit on coverage.
- Insurance companies can’t drop your coverage when you get sick: You no longer need to fear that your insurance company can rescind or take away coverage when they get sick because of an unintentional mistake on an application.
- No more coverage denials without appeal: Many Americans with private coverage now have the right to appeal an insurance company’s coverage decision and the Affordable Care Act provides you with information and assistance to give you more control over your health care decisions.
- Helping consumers understand their coverage: The Health Insurance Finder on HealthCare.gov gives you information about the health plan choices in your community. Starting in September 2012, health plans must provide you with clear, consistent and comparable information about their health plan benefits and coverage. The Summary of Benefits and Coverage forms will enable you to easily understand your health coverage and determine the best health insurance options for your family.
Medical Bill Advvocate