March 23, 2011 was the one year anniversary of President Obama signing into law the Affordable Care Act, which gives Americans greater freedoms and choices in their health care and reduces some of the power of health insurance companies. Although there are attempts in Congress to repeal the law, and several federal court cases challenging the law in whole and in part, the law provides new coverages and new benefits for many Americans.
As a result of the new law, most young adults can remain on their parents’ family health care plan until they turn 26, whether they are married, living with their parents, attending school, or are financially independent. Pre-existing conditions in children under 19 can no longer be the basis for denial of coverage for those children under most health care plans. The Pre-Existing Condition Insurance Plan may be available to those who have been uninsured due to pre-existing conditions.
For those who already have a health care plan, you will not be charged by your plan for a deductible or co-pay for recommended preventive services such as flu shots, other immunizations, and mammograms. And your plan cannot cap the dollar amount of medical care that you may receive during your lifetime or cancel your coverage due to a mistake on your application for coverage when you get sick.
Medicare recipients can obtain preventive care services and an annual wellness visit without a deductible or paying a co-pay. Medicare recipients who find themselves subject to Medicare’s prescription drug “donut hole” (the coverage gap) receive a 50% discount on covered brand name prescription drugs as well as 7% off the costs of generic drugs.
Many small businesses (those with less than 25 employees) that provide health insurance may qualify for a small business tax credit of up to 35% (25% for non-profits).
When you or a family member have been harmed by the acts or lack of action of a health care provider, contact www.medicalmalpracticelawyers.com to help you find a medical malpractice lawyer in your area to help you with your claim. You may call us toll free at 800-295-3959.