A new health care policy must make it mandatory for insurance companies to offer coverage to every individual who otherwise qualifies for insurance. Pre-existing condition must not be an excuse for denial. The new policy would prohibit companies from denying coverage to people with medical history or a chronic health problem. All existing policies would also be updated to accommodate the new changes. This means that people who already are suffering from a condition and have not been covered by their insurance companies will now be given coverage as long as they pay their premium on time and in full.
Similarly companies will not be allowed to leave people high and dry when they are found with an illness that is likely to affect them for some time. Benefits will not be watered down after diagnosis.
We strongly need these changes because millions of people are going without coverage every year and this doesn't only affect the patients but also the healthcare facilities on the whole. This is because people who are not covered may not seek regular medical help and this tends to worsen their condition. They may then end up in emergency services where other taxpayers will have to bear...
But by removing the ability of insurance companies to discriminate in their selection of who to ensure, buying insurance -- and insurance premiums overall -- will inevitably increase. Why? "If insurers are forced to sell coverage to everyone at any time, many people will buy insurance only when they need medical care. This raises the cost of insurance for everyone else, in particular those who are responsible enough to
Pre-Existing Condition and Denial of Health Insurance The focus of this work in writing is to examine whether the individual with a pre-existing health condition should be denied health insurance coverage. Toward this end, this work will examine the literature in this area of study. A pre-existing condition is "a medical condition that existed before someone applies for or enrolls in a new health insurance policy. It can be something as
Politics: Obamacare-Protection of Individuals With Pre-Existing Conditions The Patient Protection and Affordable Care Act (PPACA) commonly referred to as Obamacare was signed into law on March 23, 2010 by President Barack Obama. The law was instituted to decrease the number of uninsured Americans and reduce the overall cost of health care. This paper seeks to show that PPACA Act, that was intended to decrease the number of uninsured Americans and reduce
Health INS Healthcare Econ During the ten-year period ending with 2009, the administrative costs and the profits of health insurance companies rose slower than other healthcare costs and came to represent an ever-shrinking proportion of healthcare premiums. Much of the increase in administrative costs can be ascribed to inflation, especially during the years prior to the recent recession, and ongoing expansions of healthcare coverage and legislation during the period also required some
While it may not be just to hold an organization liable, absolutely, for every instance of employee negligence, there is a rationale for imposing such liability in many cases. For example, many types of industries entail potential danger to others that are inherent to the industry. Individual workers are not likely to be capable of compensating victims of their negligence, but the employer benefits and profits financially by engaging in
Healthcare System My current healthcare plan is through Aetna via my husband's work. It is through a company, so the cost is drastically less than a private plan. Husband's employer Out of Pocket Costs: In Network Co-Pay: $ In Network Deductible: $500 Out of Network Deductible: $1,000 Percentage of Coverage: 100% after deductible is met, some percentages do apply for out of network providers, but Aetna does not give a specific amount. Aetna does have many limitations placed
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