The America Health Reform Act in signed into law on March 2010 is a blessing in disguise particularly to the women.
In the past access to health insurance has been gender biased and discriminatory. American women have been short-changed and penalized prior to the health reform. Women were made to pay more and get less on health care. A woman of 30 years is charged more than a man of the same age. As she grows older, her cost keeps going up.
Women were also made to pay higher deductibles and co-payments than their male counterpart.
The cost burden has been an impediment to more women accessing health care thereby creating additional challenge to them.
The coming of the health reform act brought a sigh of relief to women.
Now, women can enjoy state based health insurance exchanges that will provide both men and women private insurance choices and multi-state plans that will encourage competition and offer additional options.
The exchange offer coverage for prevention and basic health services and maternity benefits.
The exchange ensures that women will always have access to quality and affordable health insurance despite job loss, illness or relocation.
The reform eliminates lifetime coverage limit on how much insurance companies will cover for a woman or man if they become ill.
To further protect the women, the act prohibits insurance companies from denying women with pre-existing conditions.
It also prohibits companies from charging women more because of gender or health status.
The law provides tax credits for women who cannot afford health insurance.
It provides for coverage of basic pediatric services as well as dental and eye care services.
It places a cap on what insurance companies can require a woman to pay as deductibles or co-payment.
Other benefits include;
The prohibition of insurance companies from denying children coverage based on pre-existing conditions.
Provision of access to affordable insurance for uninsured Americans with pre-existing conditions
The requirement to cover prevention and wellness benefits at no cost in current health plans.
It requires insurance companies to prove that they spend 80% of customer’s premium on quality medical services instead of spending it on administrative cost.
It supports states in requesting insurance companies to justify their request for premium increase.
It advocates an extension for coverage for young adults. A young woman or man can stay on his or her family policy until the age 26 except he or she is eligible for employer’s health insurance.
These are few benefits you stand to enjoy if you purchase your health insurance in this reform regime.
If you are considering affordable health insurance, make sure you compare quotes of two or more providers before deciding.
I hope you find this information very useful.
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