From Monica McCarthy, Union County chairperson of the Iowa Democratic party
Let’s discuss a few facts regarding the new health care act. The Patient Protection and Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short, is the new health care reform law in America. It is often called by its nickname “Obamacare.”
Obamacare offers you and your family many new benefits, rights and protections. This new law is very extensive, so we will summarize a few highlights below.
Better benefits for Seniors: America’s new health strengthens and protects the Medicare you have earned. There are also new important benefits such as FREE annual wellness visits, flu shots and other preventative health care services. These are at NO COST to you. The so-called “doughnut hole” is fading away.
Preventive Benefits for Women: Insurance companies are now required to provide – at no cost – mammograms, pap smears, bone mass measurements and other preventative care. It is law that insurance companies cannot charge a woman more than men for the same coverage.
Coverage for Young Americans: Young people can stay under their parent’s insurance until age 26. Already, young Americans are benefitting from immunizations and cancer screenings.
There are no caps or limits on your lifetime coverage. If you get sick, your insurance company cannot cancel your coverage. You cannot be denied coverage due to pre-existing conditions.
With “Obamacare” you can now rely on quality, affordable health care insurance to add to your personal financial security. Cost assistance is available in the marketplace for low to moderate income Americans. According to the Des Moines Register, lowans are able to buy health insurance with some of the lowest premiums in the country.
Be patient when signing up for coverage, as this is very popular. Some websites are busy or overloaded but in due time these issues will be resolved. Then you can have the peace of mind that you and your family will have the necessary health insurance coverage when needed.
Medicare important dates:
Oct. 15 – Open enrollment begins
Dec. 7 – Open enrollments ends
Jan. 1 – Coverage begins
For a thorough explanation law and answers to questions, go to: www.obamacarefacts.com.