Beginning in 2014, no insurer can charge you more or deny you coverage based on your current health or a pre-existing condition. The provision went into effect for children younger than 19 on Sept. 23, 2010.
All health plans issued after Sept. 23, 2010, must offer a wide array of in-network preventive services and treatments for adults and children, with no out-of-pocket costs such as copay’s, co-insurance or need to meet a deductible.
For policies written since Sept. 23, 2010, a child younger than 26 can remain on or return to Mom’s or Dad’s plan, even if the kid is married, financially independent, not living at home and/or eligible for coverage through work. Some policies now cover maternity for young women who are dependents, though that’s not required.
Obamacare outlawed lifetime limits for essential health benefits on all plans, including grandfathered plans, in 2010 and prohibits annual limits on new health insurance plans starting in 2014.
Under health care reform, private insurers must tell you why your claim was denied and the steps you can take to challenge their decision. If your health insurance company still denies coverage after its required internal review, you can request an external review by an independent organization with the power to overturn the decision.
Call Us today for your Health Insurance needs. 912-384-2609 or 800-842-7385