Affordable Care Act And People With Disabilities

By: Taylor


Affordable care act has made many provisions to improve health insurance coverage scenario in America. It has brought in many new laws and options to improve extension of medical services and related assistance. It has made many provisions for people with disability so that they get better and enhanced coverage for their health issues. Some of the provisions are discussed below.

The affordable care act has made provisions for young adults under 26 with disabilities and chronic conditions, to stay on their parentsí plan.
Coverage cannot be denied in case of need by insurance companies on basis of mistakes in coverage application.
The Affordable Care Act also provides for a new right to appeal an insurance companyís coverage decision.
It has also given consumer a right to information and assistance to empower them.
Most health plans cannot limit or deny benefits to a child due to pre existing conditions.
It has given disabled consumers a right to get coverage for wellness and prevention services like cancer screenings and wellness visits. Access to these services has been made easy and affordable. A large number of consumers will receive coverage through their private health insurance plan for many preventive services without co pays or deductibles.
The Medicaid program has been expanded for people with disability. For first three years it will be fully funded by Federal government and will get at least 90 percent after that.
New Affordable Insurance Exchanges have been planned which will start in 2014. It will allow individuals and small businesses to compare health plans and choose the best fitted one for themselves.
Insurance companies are prohibited from imposing lifetime dollar limits on coverage for disabled people. The act will do away with these limits entirely in 2014.
From October 2012 a new program called the Community Living Assistance Services and Supports (CLASS) Program has been launched to help people enrol in insurance programs.
By 2014 adults under age 65 earning up to about $15,000 per year as individual will be eligible for Medicaid in every state. It will also help them in getting long-term care at home and in the community.
Job-based and new individual plans are prohibited from excluding coverage to any under 19 children on a pre-existing condition, including a disability.
Same plans will be prohibited from charging higher premium for a pre-existing condition including a disability from 2014.
New investments have been made in prevention and public health efforts at the local, state and national levels. It is targeted at controlling the obesity epidemic, fight health disparities, train the nationís public health workforce, reducing tobacco use and many such programs.
The Affordable Care Act has made access to medical diagnostic equipment easy for people with disabilities to enhance preventive care and cancer screenings.
It also aims at improving data collection on health disparities for persons with disabilities, and training and cultural competency of health providers to abolish disparity in health care.
The law invests in innovations including care coordination demonstrations in Medicare and Medicaid. States will work with beneficiaries, their families and caregivers, and other stakeholders to develop demonstration proposals.
States can submit a State Plan Amendment to develop health homes. These health homes are designed on person-centered systems of care to make easy access and coordination of the full range of services for people with chronic conditions. This has been enforced from January 1, 2012.
By 2014 provision is made for limiting amount paid in out-of-pocket expenses annually, such as co-pays and deductibles for all non-grandfathered plans.
Health plans are required to provide consumers with clear, consistent and comparable information about their health plan benefits and coverage.
A new Medicaid State Plan option called Community First Choice has been created to provide community-based attendant services and supports as an alternative to nursing home and institutional services to people enrolled in Medicaid, including those with disabilities.
There is provision for incentive for states to improve home and community based services as long term care.
It gives option to states to create a plan for Home and Community Based Services or HCBS.

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