4 Ways Obamacare Has Helped Everyone

Obamacare SearchThe Affordable Care Act (ACA)–most commonly known as Obamacare–has remained a contentious topic since it started. However, there are some parts of Obamacare that help everyone.

Here are four of the most significant positive changes Obamacare is responsible for:

  1. Eliminating pre-existing conditions restrictions: Prior to ObamaCare, many people had no insurance coverage for “pre-existing conditions.” For example, if you had cancer or a complication from a surgery and then changed insurance companies, the new insurance company formerly would deny these type of claims saying they were “pre-existing conditions.” Because of this problem, many employees would not move to take a new job for fear they would not have insurance coverage for the things they needed. Under ObamaCare, this problem is eliminated. Now, an insurance company can no longer use this as an excuse for no coverage.
  2. Insurance coverage for your children through age 26: Before Obamacare, most insurance plans allowed a child to stay on their parents’ health plan until age 18, or a little bit longer if they were in school. Now young adults can now stay on their parent’s insurance until they reach the age of 26. Furthermore, the child does not to prove they are in school nor living with their parents.
  3. Life-time limits eliminated: Insurance companies used to have a “life-time limit” for each person who had insurance. If you had cancer or several different health problems, you could easily hit your life-time limit and would find yourself with no insurance coverage. Under Obamacare, life-time limits have been eliminated. Now if you have cancer that may reoccur over many years, you don’t have to worry about your cancer AND “using up” your insurance also.
  4. Preventive care is now covered: Did you know that prior to Obamacare most preventive medical care was not covered by your insurance? Historically, insurance covered you when you were sick, not when you were well. Yet preventative care often prevents you from getting sick in the first place. Without coverage, many people would not go for their annual checkups or their yearly mammograms. Now, under Obamacare, preventative services are covered. Every insurance plan must cover certain basic services so you no longer need to worry about getting a big bill from the doctor.

The debate will probably continue as regarding Obamacare, but some changes are beneficial for everyone.

HS-Book_Covers_OCaresmallAre you looking to cut through all the noise and find out what ObamaCare really is, what it does, and, most importantly, what it means to you? MyHealthSpin’s Easy Healthcare: ObamaCare ebook guide leaves the politics behind and gives you a straightforward, timely rundown of the changes the law made and whether or not they impact YOU.

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How to Navigate Adoption and Obamacare

Happy Interracial Family Is Enjoying A Day In The Park With AdopOne of our readers recently had a problem with her adopted son’s insurance coverage. Although her son, Mark, was adopted as a baby and is now 19 years old, the insurance problem is recent.

Mark had insurance coverage through the health exchange on healthcare.gov. He had a full year of coverage before the problems began.

In January 2015, Mark received a form letter from healthcare.gov requesting copies of his citizen documents. Despite having sent them previously when he initially enrolled, Mark again sent copies of his passport and citizenship documents to the office in Virginia by mail.

He heard nothing in response until April when he received a letter from healthcare.gov indicated that his coverage was cancelled for failure to submit the necessary citizenship documents.

Mark’s mother called the healthcare.gov number (1-800-318-2596) and spoke with a representative.

The marketplace representative told her that she could see the citizenship documents on her end and that everything was taken care of, not to worry.

However, when Mark tried to fill a prescription, he was informed that he did not have coverage. He again sent in all of his citizenship documents by mail.

Mark’s mother again called healthcare.gov and again spoke with a marketplace representative. She made multiple calls and each time she was told that Mark’s documents were in order and he should have coverage. But he didn’t.

Frustrated, Mark’s mother called me.

So, what should you do if you or someone you know have this problem with Obamacare?

First, make a call to healthcare.gov and be specific with your questions. Find out what the potential causes are and the potential ways to fix the problem.

The problem could be as simple as a data mismatch, if there was an inconsistency on his application. If that’s the case, it could be as easy as correcting the application.

Another potential problem could be that incorrect citizenship documents were sent. A passport alone should be good enough, otherwise you may need to send in several documents.

Once healthcare.gov has the correct documents, and all errors are corrected, you should receive a letter with a special enrollment period to reenroll and offer retroactive coverage.

In Mark’s case, the problem was that he didn’t know the right questions to ask. His mother was able to call back and ask for the letter offering reenrollment and retroactive coverage.

Once she knew the right questions to ask and received the letter, Mark’s insurance problems were history.

To learn more about Obamacare, get my ebook Easy Healthcare: Obamacare, available through all major ebook retailers. 

Also, right now you can receive a FREE copy of my ebook Easy Healthcare: Your Hospital Stay. CLICK HERE FOR FREE DOWNLOAD

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Obamacare Insurance: Are you sure you’re covered?

Closeup of a female medical professional holding a tablet computWith Obamacare, there are still a lot of unknowns. One of our readers, John, recently contacted us with a serious question involving his health coverage…

John has had coverage through healthcare.gov for over a year, yet recently, he went to a doctor’s appointment and discovered that he was no longer covered.

So what happened?

John’s health insurance company is Blue Cross Blue Shield. Blue Cross sent him a new insurance card in December for 2015 and told him that his coverage was extended for the next year.

But then he received an email notice requesting action by healthcare.gov. Thinking he was covered, he failed to respond to the email.

John didn’t think anything of the email, because he received no further requests or notices from healthcare.gov. But in June when he went to see the doctor, his coverage was denied.

What did he do, and what should you do if you have problems with your healthcare.gov coverage?

First, make a call. It’s much easier to talk to a live person who can talk you through what you need to do to fix your problem.

John called the number on the healthcare.gov website (1-800-318-2596). After a few machine prompts he was connected with a marketplace representative.

She was able to help John remedy the problem and get retroactive coverage.

Had John been involved in an accident involving his healthcare, this could have been a lot bigger of a problem. Luckily, he discovered his lapse in coverage at a routine doctor’s appointment.

If you get your healthcare insurance through Obamacare, it is essential that you follow up with the providing company and healthcare.gov. Make sure to watch your email and mailbox for any notifications.

It’s always a good idea to double check your coverage. A quick call to a marketplace representative can confirm your coverage and help you to avoid potential insurance problems.   

To learn more about Obamacare, get my ebook Easy Healthcare: Obamacare, available through all major ebook retailers. 

Also, right now you can receive a FREE copy of my ebook Easy Healthcare: Your Hospital Stay. CLICK HERE FOR FREE DOWNLOAD

With MyHealthspin, You Spin Your Healthcare Your Way!