Studies has shown that 34.5 % of men and women will be diagnosed with cancer at some stage of their life. The fact that many people dont want to talk about cancer doesnt change the fact that you need to be prepared and have a plan should the worse befall you. Here is all you need to know about how the ACA coverage works. The ACA was implemented by the United States in 2010, to effect some changes in the health insurance rules all over the country.
You can now still get health insurance regardless of whether or not you have some pre-existing health condition, and they will also pay for the said treatments. You will also not pay more for your gender, sex or even specific health condition. If you are looking at group insurance, the ACA states that you get the healthcare benefits within the first three months or less and this an especially strong rule because most people get the coverage through the workgroup plan. The cats also requires that the health insurance companies offer free screening for mammograms, colectoral cancer, routine screening and smoking cessation.
Cancer news can be really daunting and many people usually have no idea what to do and end up behind angry and depressed. The survival rate can be greatly improved by the right profession and the right treatments too. It is very vital that you familiarize yourself with the insurance policy before you can start the treatment. There are a number of words that you are likely to come and across and that which you should know of their meaning like the premiums, the out-the-pocket-maximum, the deductibles and the coinsurance.
There are two common insurance plans, the HMO and the PPO. The HMO has lower rates for the members and specified standard care in hospital and doctors in a pre-arranged network. If you are eligible for the coverage you qualify for the plan and the network will also be limited in case of rare conditions and when in rural areas. With this plan, you are supposed to select a primary care physician that must refer you to any treatment referrals. The PPO is a little more flexible when it comes to the networks limitation and may even pay for the providers of the networks, and you also dont need the primary physician.
Depending on your income and if you do not have an insurance cover, you can get coverage subsidized rates through the Health Insurance Marketplace, you can also get a plan from an insurance broker and if you are unable to pay for any insurance policy, you can get discounted programs from the hospital. It is always good to negotiate the payments after treatment because they can be too much, discuss or negotiate a payment plan or even get help from loved ones. Cancer can be really scared for everyone, but a coverage like the ACA gives you the peace of mind and the navigation relatively smoother.