In March of 2010 Congress passed the Affordable health Care Act. It mandates several regulations affecting your insurance coverage. Here are the general areas affected.
Under the Act, you have new rights as a consumer. For example, insurers cannot deny benefits to anyone under the age of 19 because of a pre-existing condition. There are several preventative services available at no extra cost – that is, no co-payment or deductible. Perhaps most importantly, you can receive emergency care at any hospital withut prior approval from the insurer.
The law creates – or strengthens – state-based Customer Assistance Programs. These allow the insured individual new rights in terms of grievances, enrollment and education
The Act also offers new insurance choices. The Pre-Existing Condition Insurance Plan may help if you’ve been denied insurance because of a pre-existing condition. Young adults under the age of 26 can now receive coverage under their parents’ plan. And in 2014, Affordable Insurance Exchanges will make it easier to choose health plans. A
new type of insurer is created, the Consumer Operated and Oriented Plan. This type of insurer is a not-for-profit organization – run by the customers!
Insurance costs are affected as well. Large rate increases are reviewed by the government. Lifetime and annual limits on benefits are restricted. The benefits of flexible spending accounts are expanded.
If you’re 65, you’ll be interested in the regulations affecting Medicare. The program is strengthened. You’ll have new protections; the prohibitions on abuses are tightened. In addition, you may be eligible for free preventative services.
Finally, a set of regulations will help small businesses meet insurance costs.
This post is provided by termlifeonly.com, a site detailing tips from top term life insurance companies.
Hiking is really a very fun and relaxing activity that can be both beneficial to your physical health and even your mental health. It’s because when you go for a hike, your mind is focused on other things other than the troubles at home, and your legs are getting a much needed work out with all the uneven terrain and challenging obstacles. You basically just need to grab some water, set up the ADT security if you got it, lock the doors and take off on your own little adventure. And if you don’t have any place near your home to hike, you can always find one within driving distance.
They say that the woods are only as challenging and terrifying as what you bring in with you and many people soon discover this when they bring all the stress of the day into a hiking endeavor like no other. In many ways, hiking can even be therapeutic as you use all that pent up energy and frustration to conquer these obstacles and come out on top. And some people, through the cleansing fires of adversity and challenge, even find themselves a little happier and a little saner from the challenge.
Most people know the importance of getting a yearly physical, but some of them still fail to do it. Getting a check-up every year is one of the most important things that people can do for their health.There are many illnesses and diseases that can cause serious problems if they are left untreated. Many serious illnesses and diseases can be treated and cured if they are caught early enough.
Getting a physical every year can also keep a person healthy. Doctors and other health care providers are very knowledgeable on how to Read on…
The heart muscle is a remarkable machine working continuously throughout life. Like any machine, it requires proper care to function and stay healthy. High blood pressure provides resistance against blood flow and forces the heart to work harder. Excessive weight increases distance blood moves to cover the entire body. Exercise and proper diet help lower blood pressure and control weight for better health of the heart muscle.
Eating plenty of fruits and vegetables is good way to improve the heart and increase energy. Fruits and vegetables Read on…
The eyes are the first thing that many people notice about each other. For a lot of people, the appearance of their eyes is a trait that they seek out in romantic relationships. One way to remain eye-catchingly handsome or beautiful is by accentuating the color of the eyes. This is most often easier said than done for women than men, but there are tips that both genders can follow to keep their eyes looking bright and fresh.
Dark circles, bags under Read on…
With summer in full swing, take the time to make sure you and your family are sun safe.
This, of course, means the use of sunscreen. An SPF of 30 is fine and should be applied to all exposed skin, face included, a half hour or so before sun exposure. Reapply after getting wet, dried or two hours. Wear hats and have clothing or umbrellas to take cover if shade is not readily available. Take extra precaution with toddlers’ and babies’ delicate skins. Even with sunscreen, no more Read on…