Health insurance FL and impact of the Affordable Care Act
There are large debates and heated arguments going round the air—the topic discussed is the Affordable Care Act. There are curious speculations, wide guessing, expertly results and mumbled complaints about how it will impact various individuals, families, groups, regions and even the whole states at large.
The Whitehouse has provided extensive statistics and figures as to how the healthcare reforms would impact various categories of consumers,
cities and states.
While talking about health insurance FL and the impact of healthcare reforms on this industry, there are many figures available. In this article, we will talk about some obligations that are levied upon insurance companies in Florida and how it becomes easier for consumers to buy health insurance in Florida.
• To start with, the new consumer protections in the insurance market beginning on or after September 23, 2010.
• With the implementation of this Act, the insurers in Florida will no longer be able to place lifetime limits on the coverage they provide. This ensures that the 8.8 million Florida residents with private insurance coverage will not have to worry about their coverage running out and facing catastrophic out-of-pocket costs.
• The insurers in FL will be banned from dropping people from coverage when they get sick. This means that 1.1 million individuals who purchase insurance in the individual market will not have to worry about health insurance coverage when they face medical care needs.
• Children with pre-existing conditions will not be excluded from the health insurance policies offered in FL. The parents buying health insurance in Florida will not have to worry about it.
• The annual limit of health insurance plans in Florida will be tightly regulated. This means that 7.7 million residents of Florida with health insurance from their employer, along with anyone who signs up with a new insurance plan in Florida will have affordable access to health insurance.
• The residents of FL will have better choices of picking doctors as the primary care providers. The Act prohibits insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care.
It is clear that so many changes in health insurance industry of FL will have huge benefits and advantages for the consumers and they will face lesser hurdles while buying health insurance plans in Florida. With the complete implementation of this Act, a lot of uninsured residents of Florida will have access to affordable health insurance plans.
