After doing research for health insurance, a lot people think it is easy to pick. It is not easy to pick a plan. You have to pick a plan based on deductible, co-insurance, out-of-pocket, and the monthly fees. A lot of people go for the prices instead of quality of service. The new Act covers the people that goes for cheap health insurance instead of just paying for a good plan. The new Act does not make health insurance any more affordable after it take in effect. The following is my opinions.
Young adults can remain on their family's health plan until they turn 26.
To me this already given, so this has not changed. Yes that is right it is already given in my state. This statement in the law just give it self a stupid point.
A lot people here do not understand that students are still in college when they are 26, so stating they should be out of college when they are 23 does not serve everybody. Since we are in the depression, people have gone back to school to get a degree. They could be getting their masters or doctorate. Some might be just starting going to college, so be careful stating 23 is when you are stated as an adult. Things have changed. Most students at this age are living with their parents. The economy is very, very poor.
Free immunizations for kids.
Depending on the health insurance and what group plan. This is already free. The cost of flu shots is cheap compared the costs of hospital expenses. Just make sure where you get the immunizations are in your network.
Free preventive care, like mammograms and cholesterol screenings.
This can not be done because the employees that do the tests are not machines. They need food, water, and shelter. It takes about two years for a lab technician to get their certificate to work at these facilities. It is a job opportunity or provides more jobs in the market.
These tests are not expensive if the insurance companies does cover some of the costs. Usually the tests are not covered, so you have to pay the whole price which can be very, very expensive. This law should be changed that you should not be denied covered of any tests even though you may have a pre-existing condition.
No more lifetime coverage limits, and annual limits start to phase out.
This can cause bankruptcy for health insurance companies. The limits are usually high as 3 million or others is 5 million dollars. The limits are there to save health insurance asses. Having no limits is like having unlimited Internet bandwidth. There is a limit because physics does not allow to have unlimited.
Plans can't cancel coverage for people who get sick.
This is more of a slap in health insurance companies instead of the person signing up for the cheapest health insurance they can possibly get. Though someone needs to define sick because it does not seem severe.
If they define sick as in common cold and the plan got cancel, then I can understand this statement in the new law. For getting a severe sickness that makes it hard for health insurance companies to cover then this law should be changed into something else that insurance companies are required to contact the person to change the plan.
No denial of coverage to kids with pre-existing health conditions.
When I was growing up, this is already been given. Insurance companies do not insure the first 6 months and then they cover after that. In other states, I can understand why this is included in the new law because other states may not be part of a group. Though it will be nice it covers adults than just kids because there are some adults that do not have any insurance because of a pre-existing condition or they do have insurance, but the insurance company does not cover pre-existing condition.
What is very, very stupid is it took 2500 pages for Affordable Heath Care Act that only has 6 main laws in it. It seems that they got printer happy and it deters people away from reading this new Act.
Facebook
Twitter