This Is How Health Care Reform Affects Your Heart Care
The Affordable Care Act makes it easier to cope with heart issues. Healthcare Reform helps you manage chronic diseases, including alleviating the risks of suffering a stroke or a heart attack. If you avail of health insurance through either the Marketplace, the individual market, or an employer-sponsored plan, it must include Essential Health Benefits in the plan.
If you are a heart patient, you might require outpatient services such as heart specialists, lab tests, etc. Besides that, you will also need diet counseling, alcohol abuse, depression, alcohol cessation, prescription drug coverage, rehabilitation services, emergency room, and hospital coverage, and so forth. Each state outlines the details of what these categories should cover. Dive into the details of how healthcare reform affects your heart care.
Free Heart Disease Tests
With a majority of the health insurance plans, you can avail of tests free of cost for a heart condition. This implies that you wouldn’t have to pay a coinsurance, copay, or deductible. These tests will help you detect conditions much before you experience symptoms. Your doctor can take a small blood sample and check your HDL, good cholesterol, and LDL or bad cholesterol.
You need to check your blood pressure to know if it’s under control. If you are overweight, there is every probability that you will have high blood pressure and diabetes. As a result, you can suffer from heart disease. You can go through a free counseling session on how to keep your body weight in check. Type 2 diabetes is a chronic disease that is easy to prevent. The doctor will take a small sample of your blood and check the glucose levels in your blood. You can verify if you have diabetes or a pre-diabetic condition.
Reduced Costs to Cure Heart Disease
Rules about the maximum amount you have to pay from your pocket for your medical expenses are available in the ACA or the Affordable Care Act. The health plans you avail cannot impose any lifetime or annual dollar limits on the benefits you receive. The amount you will have to pay from your pocket will be limited. You can find the details of the out-of-pocket expenses in your health plans.
Your monthly premiums are not part of your out-of-pocket maximum. After you reach the maximum amount, it’s the insurance company’s responsibility to cover your remaining expenses, including your expenses related to copays and deductibles for prescriptions and medical services.
Financial Help and Medicaid Coverage
If you have availed of a health insurance plan from the MArketplace in your state, you might receive financial aid to help you cover some of the healthcare costs. You might also receive a tax credit and cut down on your insurance premiums. Go through the HealthCare.gov website to find the Marketplace in your state.
If you haven’t qualified for Medicaid coverage in the past, you need not worry. You might be considered eligible for Medicaid coverage depending on your income and the state you are a resident of. If you want to check if you are eligible for Medicaid coverage, go to the Marketplace in your state.
Buying and Keepings Insurance Plans
If you are suffering from a chronic heart condition, the Affordable Care Act will have a lot of protections for your benefit. Nobody can refuse you a health plan since you have a heart condition that might result in heart disease like high cholesterol or high blood pressure. Having a heart problem does not disqualify you from your health insurance plan. For this reason, you can’t be charged for a health insurance plan more than you are entitled to.
Saving Costs of Drugs
If you use Medicare and have been taking medicines for heart issues, there is a piece of information for you all. The gap in Medicare health coverage for prescription drugs is fading away gradually. This is beneficial for senior citizens.
You will be required to shell out 25% of the cost of the brand-name and generic name of the medications you are using. Check out the Medicare Part D costs to find out the offers and discounts.
In the case of short-term health plans that offer coverage for less than a year, you don’t have the essential health benefits and can also be denied coverage even if you have pre-existing conditions.
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