Below are the key provisions in the new Patient Protection and Affordable Care Act for people affected by cancer. If you have any questions regarding these provisions or are directly affected by these provisions, we’d love to hear from you. Place your comments below. We will do the best to answer your questions.
- 32 million uninsured Americans are expected to receive health care coverage.
- Within six months, private insurance companies will be prohibited from enacting pre-existing condition exclusions for children 18 and younger. By 2014, individual and group plans will be prohibited from enacting pre-existing condition exclusions for any American.
- Within 90 days, people with medical conditions that make them uninsurable may qualify for coverage through a federally subsidized health insurance program. Spending for this program is limited to $5 billion and it will be in effect until 2014 when the pre-existing condition exclusion begins.
- Within six months, young adults will be able to be covered under their parents’ insurance policy until their 26th birthday.
- Within six months, individual and group plans will be prohibited from placing lifetime caps on health insurance benefits.
- Within six months, health plans will not be allowed to drop a person from coverage when they become sick.
- Within six months, the law requires new private plans to cover preventive services like breast, cervical and colorectal cancer screening with no co-pays and with preventive services exempt from deductibles. These same rules will apply for Medicare beginning January 1, 2011.
- By 2014, the law will end any annual limits on health insurance benefits.
- By 2014, the law will prohibit new health plans from dropping coverage because an individual chooses to participate in a clinical trial and from denying coverage for routine care that they would otherwise provide just because an individual is enrolled in a clinical trial. It would apply to all clinical trials that treat cancer or other life-threatening diseases.