Las Vegas, NV (Vocus) September 22, 2010
InsureMonkey today highlighted five important points that consumers need to know about the Health Care Reform changes taking effect on Thursday, September 23 under the Patient Protection and Affordable Care Act (PPACA).
Key September 23 changes:
2. Your health plan can no longer be rescinded if you get sick (except in cases of fraud or willful misrepresentation).
3. Health plans will no longer have lifetime or annual benefit caps.
4. Preventive screenings, such as annual physicals, mammograms, pap smears, and other services, will be provided to you without charge. Your health plan will pay for these services, but cannot apply a co-payment, co-insurance, or deductible payment.
5. Dependents can remain on their parents’ health insurance plan until age 26.
InsureMonkey’s five points consumers need to know about the new law:
1. “If you don’t replace your current insurance plan, you won’t get the benefits of the Health Care Reform changes. This applies to individual health insurance, family health insurance, as well as small group health plans. However, when replacing your plan, be sure your new health insurance is in place before cancelling your existing plan.
2. “If you don’t think you can afford health insurance, look again. Even the most ‘barebones,’ inexpensive plans will now come with free, preventive, and often life-saving services. In Nevada, most people can get an individual health insurance plan for less than the cost of cable television service.
3. “Many carriers are no longer providing health insurance quotes for child-only plans. Currently in Nevada, you can only get health insurance coverage for your child as part of a larger family health insurance plan. Today, these plans are only offered through Anthem Blue Cross Blue Shield, Assurant Health, Coventry One, or United Health One. A health carrier’s plan offerings for children can change at any time so check back often.
4. “We expect quotes for individual health insurance, family health insurance and self-employed health insurance to continue to increase. New health insurance plans are now required to provide more services and therefore will have to raise rates to pay for it.
5. “Your dependents can stay on your health insurance plan until the age of 26. This change is a major benefit for families because it means that a child with a chronic medical condition like diabetes can maintain health insurance coverage without having to re-apply as an adult, risking coverage denial for having a pre-existing condition. In 2014, all individual and family health insurance plans will be prohibited from denying coverage to anyone based on a pre-existing condition.”
InsureMonkey is the quickest and easiest way for individuals and families to buy health insurance. It provides a simple online tool that allows consumers to get free health insurance quotes from leading companies without providing invasive personal information. Customers are provided quotes, information and options that allow for educated and informed decisions when purchasing health insurance. Once a customer has selected the plan that’s right for them, InsureMonkey enables the customer to apply for the plan online.
InsureMonkey fully automates the quoting, application and enrollment process of becoming insured. It is offered as a free public resource, charges no application fees, no broker fees, and its tools, support and services are free for life. To learn more about how to get the best rates, compare plans and buy personal health insurance online please visit http://www.insuremonkey.com or call 1-800-771-3739.
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