Review Note
Last Update: 07/22/2024 01:49 PM
Current Deck: C2P
PublishedCurrently Published Content
Front
Describe the current protections for people with pre-existing
conditions regarding
access to health insurance.
Back
·
Guaranteed Coverage: Under ACA, health insurance
companies cannot refuse to cover individuals or charge them more due to
preexisting conditions
· No premium discrimination: Insurers cannot charge
higher premiums based on indiv. health status; only can for age, tobacco use,
family size, and geographic location
· No exclusions: insurers and employer group plans cannot refuse to
cover services needed to treat pre-existing conditions
· Essential Health benefits: Insurers must cover 10 essential
benefits
· Prohibition if lifetime and annual limits: insurers cannot impose
lifetime or annual dollar limits on coverage for essential health benefits
· Pregnancy: considered a preexisting condition and must be covered
from the day the insurance plan starts
· State-level protections: some states have additional laws, 10 states have adopted all four
ACA protections, 15 have adopted at least one
o Texas has adopted none.
o
Medicaid + CHIP: cannot refuse coverage or charge more for preexisting
conditions
No published tags.
Pending Suggestions
No pending suggestions for this note.