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Tag Archive | "Health plans"

Access Affordable Health Care and the Insurance Marketplace


 

By: Stephanie Holland, Social Security Public Affairs Specialist

The Affordable Care Act (ACA) provides Americans with better health security by expanding coverage, lowering healthcare costs, guaranteeing more choice, and enhancing the quality of care for all Americans. Everyone is entitled to affordable healthcare.

Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health. Some of the benefits of this coverage include:

• Ending Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

• Keeping Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.

• Ending Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

• Guaranteeing Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Open enrollment began in November and ends January 31. Compare healthcare plans so that you can find the best one for you, and sign up before the enrollment period ends. You can learn more about the insurance marketplace and how to apply for benefits at www.healthcare.gov.

If you are 65 or older, you are entitled to Medicare. Certain people younger than age 65 can qualify for Medicare, including those who have disabilities and those who have permanent kidney failure. The program helps with the cost of healthcare, but it does not cover all medical expenses or the cost of most long-term care.

You can access everything you need for Medicare, including online applications and publications, at www.socialsecurity.gov/medicare.

Social Security and affordable healthcare go hand-in-hand. The Affordable Care Act and Medicare help ensure that you and your family are covered.

Stephanie Holland is the Public Affairs Specialist for West Michigan.  You can write her c/o Social Security Administration, 455 Bond St, Benton Harbor MI 49022 or via email at stephanie.holland@ssa.gov

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