{"id":2924,"date":"2011-10-16T06:00:25","date_gmt":"2011-10-16T10:00:25","guid":{"rendered":"http:\/\/candostreet.com\/blog-parents\/?p=2924"},"modified":"2011-10-15T08:38:52","modified_gmt":"2011-10-15T12:38:52","slug":"you-the-affordable-health-care-act-and-your-family","status":"publish","type":"post","link":"https:\/\/candostreetny.com\/blog-parents\/you-the-affordable-health-care-act-and-your-family\/","title":{"rendered":"Affordable Health Care Act, Women and Families"},"content":{"rendered":"<h1 style=\"text-align: left;\"><span style=\"color: #003366;\"><em><strong><a href=\"https:\/\/candostreet.com\/blog-parents\/wp-content\/uploads\/2011\/10\/medical_15.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-2949\" title=\"Medical Clipart\" src=\"https:\/\/candostreet.com\/blog-parents\/wp-content\/uploads\/2011\/10\/medical_15-300x200.jpg\" alt=\"Health Care and women\" width=\"180\" height=\"120\" srcset=\"https:\/\/candostreetny.com\/blog-parents\/wp-content\/uploads\/2011\/10\/medical_15-300x200.jpg 300w, https:\/\/candostreetny.com\/blog-parents\/wp-content\/uploads\/2011\/10\/medical_15.jpg 600w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/><\/a>Most of us are not sure what the Affordable Health Care Act means for women and families.<\/strong><\/em><\/span><\/h1>\n<p style=\"text-align: left;\"><span style=\"color: #003366;\"><em><strong>The following is a summary\u00a0 about what this law means for us. It is from HealthCare.gov.<\/strong><\/em><\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Insurance Companies Can\u2019t Deny Coverage to Women.<\/strong><\/span> Before the Affordable Care Act became law, insurance companies selling individual policies could deny coverage to women due to pre-existing conditions, such as cancer and having been pregnant. Under the law, insurance companies are already banned from <a>denying coverage to children<\/a> because of a pre-existing condition. In 2014, it will be illegal for insurance companies to discriminate against anyone with a pre-existing condition.<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li>\n<h2><span style=\"color: #003366;\"><strong><em>Women Have a <a><span style=\"color: #003366;\">Choice of Doctor<\/span><\/a>. Thanks to the Affordable Care Act, all Americans joining new insurance plans have the freedom to choose from any primary care provider, OB-GYN, or pediatrician in their health plan\u2019s network, or emergency care outside of the plan\u2019s network, without a referral.<\/em><\/strong><\/span><\/h2>\n<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Women Can Receive <a><span style=\"color: #003366;\">Preventive Care<\/span><\/a><\/strong> <strong>Without Copays.<\/strong><\/span> Thanks to the Affordable Care Act, all Americans joining a new health care plan can receive recommended preventive services, like mammograms, new baby care and well-child visits, with no out-of-pocket costs. See a <a>list of preventive services for women<\/a>. (Preventive services benefits apply if you\u2019re in a <a>new health plan<\/a> that you joined after March 23, 2010.) Learn about new <a>women&#8217;s preventive care guidelines<\/a> issued August 1, 2011.<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Women Pay Lower Health Care Costs.<\/strong><\/span> Before the law, women could be charged more for individual insurance policies simply because of their gender. A 22-year-old woman could be charged 150% the premium that a 22-year-old man paid. In 2014, insurers will not be able to charge women higher premiums than they charge men. The law takes strong action to control health care costs, including helping states crack down on excessive premium increases and making sure <a>most of your premium dollars go for your health care<\/a>.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"color: #003366;\"><em><strong>The following is a summary\u00a0 about what this law means for your family and extended family. This summary also comes from HealthCare.gov.<\/strong><\/em><\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Delivering New Coverage Options for Americans with Pre-existing Conditions.<\/strong><\/span> Health plans that cover children can <a>no longer exclude, limit or deny coverage to your child (under age 19) based on a pre-existing condition<\/a>. In addition, the law created a new program called the Pre-Existing Condition Insurance Plan (PCIP) to help provide coverage for uninsured people with pre-existing conditions until new insurance market rules that prohibit discriminating against anyone with a pre-existing condition go into effect in 2014.<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Providing Consumers with New <a><span style=\"color: #003366;\">Rights and Protections: The Patient\u2019s Bill of Rights<\/span><\/a><\/strong>.<\/span> The Affordable Care Act frees Americans from worrying about losing their insurance, or having it capped unexpectedly if someone is in an accident or becomes sick, giving you greater control over your health insurance and care. It also places tough restrictions on health insurance companies to make them more accountable to you.<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li>\n<h3><em><span style=\"color: #003366;\"><strong>Requiring Plans to Cover <a><span style=\"color: #003366;\">Preventive Services Without Out-of-Pocket Costs<\/span><\/a><\/strong>.<\/span> The law requires new health plans to cover recommended preventive services, including vaccinations, cost-free. Regular well-baby and well-child visits are also covered from birth through age 21. These services do not require a copay or co-insurance when offered by providers in your insurer\u2019s network. See a list of <a>preventive services for women and children<\/a>. (Preventive services benefits apply if you\u2019re in a <a>new health plan<\/a> that was created after March 23, 2010.)<\/em><\/h3>\n<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><a><span style=\"color: #003366;\"><strong>Allowing Children Under 26 to Stay on Their Parents\u2019 Plan<\/strong><\/span><\/a>.<\/span> If your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 (except, in some cases, when your child\u2019s employer offers health coverage). It doesn\u2019t matter whether your child is married, living with you, in school, or financially dependent on you.<\/li>\n<\/ul>\n<ul style=\"text-align: left;\">\n<li><span style=\"color: #003366;\"><strong>Help for Family Members on Medicare.<\/strong><\/span> If your parents or other loved ones are on Medicare, it\u2019s good to know the Affordable Care Act protects current benefits, strengthens Medicare for the future, and offers new benefits that will help cut costs. The gap in drug coverage known as <a>the \u201cdonut hole\u201d is being closed<\/a>, reducing seniors\u2019 out-of-pocket costs. In addition, people on Medicare may receive recommended preventive care like mammograms and colonoscopies for free.<\/li>\n<\/ul>\n<div class=\"wp-socializer wpsr-buttons\"><span class=\"wpsr-btn wpsr-srvc-facebook\"><div class=\"fb-share-button\" data-href=\"\" data-layout=\"button\"><\/div><\/span><span class=\"wpsr-btn wpsr-srvc-twitter\"><a href=\"https:\/\/twitter.com\/share\" class=\"twitter-share-button\" data-show-count=\"false\" data-related=\"\" data-url=\"\" data-size=\"small\" data-via=\"\" data-hashtags=\"\">Tweet<\/a><\/span><span class=\"wpsr-btn wpsr-srvc-google_plus\"><div class=\"g-plusone\" data-size=\"medium\" data-annotation=\"none\" ><\/div><\/span><span class=\"wpsr-btn wpsr-srvc-linkedin\"><script type=\"IN\/Share\" data-url=\"\" data-counter=\"none\"><\/script><\/span><span class=\"wpsr-btn wpsr-srvc-pocket\"><a data-pocket-label=\"pocket\" data-pocket-count=\"none\" class=\"pocket-btn\" data-save-url=\"\" data-lang=\"en\">Pocket<\/a><script type=\"text\/javascript\">!function(d,i){if(!d.getElementById(i)){var j=d.createElement(\"script\");j.id=i;j.src=\"https:\/\/widgets.getpocket.com\/v1\/j\/btn.js?v=1\";var w=d.getElementById(i);d.body.appendChild(j);}}(document,\"pocket-btn-js\");<\/script><\/span><\/div>","protected":false},"excerpt":{"rendered":"<p>Insurance companies selling individual policies could deny coverage to women due to pre-existing conditions, such as cancer and having been pregnant.<\/p>\n<div class=\"wp-socializer wpsr-buttons\"><span class=\"wpsr-btn wpsr-srvc-facebook\"><div class=\"fb-share-button\" data-href=\"\" data-layout=\"button\"><\/div><\/span><span class=\"wpsr-btn wpsr-srvc-twitter\"><a href=\"https:\/\/twitter.com\/share\" class=\"twitter-share-button\" data-show-count=\"false\" data-related=\"\" data-url=\"\" data-size=\"small\" data-via=\"\" data-hashtags=\"\">Tweet<\/a><\/span><span class=\"wpsr-btn wpsr-srvc-google_plus\"><div class=\"g-plusone\" data-size=\"medium\" data-annotation=\"none\" ><\/div><\/span><span class=\"wpsr-btn wpsr-srvc-linkedin\"><script type=\"IN\/Share\" data-url=\"\" data-counter=\"none\"><\/script><\/span><span class=\"wpsr-btn wpsr-srvc-pocket\"><a data-pocket-label=\"pocket\" data-pocket-count=\"none\" class=\"pocket-btn\" data-save-url=\"\" data-lang=\"en\">Pocket<\/a><script type=\"text\/javascript\">!function(d,i){if(!d.getElementById(i)){var j=d.createElement(\"script\");j.id=i;j.src=\"https:\/\/widgets.getpocket.com\/v1\/j\/btn.js?v=1\";var w=d.getElementById(i);d.body.appendChild(j);}}(document,\"pocket-btn-js\");<\/script><\/span><\/div>","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71],"tags":[15,510,444,508,509,7,511],"_links":{"self":[{"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/posts\/2924"}],"collection":[{"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/comments?post=2924"}],"version-history":[{"count":27,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/posts\/2924\/revisions"}],"predecessor-version":[{"id":2952,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/posts\/2924\/revisions\/2952"}],"wp:attachment":[{"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/media?parent=2924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/categories?post=2924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/candostreetny.com\/blog-parents\/wp-json\/wp\/v2\/tags?post=2924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}