The Affordable Care Act
In 2010, a new Patient’s Bill of Rights was created along with the Affordable Care Act. This bill of rights was designed to give new patient protections in dealing with insurance companies. Some of the protections started in 2010, but others will be phased in more slowly and take full effect in 2014.
Here are some of the protections covered:
- Annual and lifetime limits to coverage are being phased out.
- In general, children will be able to get health insurance in spite of any medical conditions.
- Children are also now able to stay on a parent’s policy until age 26 if they meet other requirements.
- Health insurance companies will no longer be able to rescind (take back) your health coverage after you get sick because you made an honest mistake on your insurance application.