In the past, individuals with disabilities found it challenging to find affordable health insurance that would cover their specific medical needs. This left many people without individual health plans at a time when they needed coverage most.
To rectify this problem, the Affordable Care Act has included many benefits for individuals with disabilities. We will list a few of those advantages here.
Insurance companies have been notorious for dropping members when they became ill or made errors on their insurance paperwork. This left some people without Affordable Health Insurance at a time when they were facing steep medical bills.
The Affordable Care Act prohibits insurance companies from dropping individual health plans due to illness or administrative error, giving many people with disabilities peace of mind in knowing their individual health insurance coverage will continue.
Prohibitions on Coverage Limits
No one knows how quickly medical bills can mount better than individuals with disabilities. In the past, insurance companies have been able to set annual and lifetime limits on individual health plans, leaving some patients without coverage, even though they still required medical services.
The Affordable Care Act will remove lifetime and annual limits on individual health plans, ensuring everyone will get the medical services they need, no matter how much help they require.
Pre-Existing Conditions Protection
People with disabilities often had difficulty finding individual health plans that would cover medical problems that had already been diagnosed. When they did find individual health insurance companies that would cover them, the premiums were often much steeper than they could afford.
The Affordable Care Act will ensure everyone has access to affordable medical insurance, regardless of their current medical condition. This clause is already in effect for children and will go into effect for adults in 2014.
Preventative Care Coverage
People with disabilities need preventative care to remain as healthy as possible, despite their current medical condition. Thanks to the Affordable Care Act, affordable health plans will now be required to carry a broad range of preventative care without deductibles or co-pays attached. Preventative services will include well-checks, immunizations and some regular health screenings, and these will be available without cost-sharing or other expenses to the patient.
Expansion of Medicaid Coverage
For those who require long-term care, states will now have the option to extend Medicaid coverage to adults. This means that if you are unable to work due to your physical or mental disability, you can still find affordable health insurance. Other programs may also be expanded at home and within the community to help those requiring long-term care to live healthier, more independent lives.
Finding affordable health insurance when you have a disability has been historically difficult. However, thanks to numerous provisions in the Affordable Care Act, both adults and children with disabilities will have more options in individual health plans to ensure they receive the medical coverage they need at the time when they need it most. With these improvements on the horizon, people with disabilities will now be able to get the health care they need without worry over how to pay the bills.