Provisions Currently in Affect: Health Care Reform Arizona
Most citizens will be required to have health insurance for the year 2014. Open enrollment for on and off the exchange health insurance plans starts October 1, 2014. Individuals and families must apply by December 15, 2013 for an effective date of January 1, 2014. There will premium tax subsidies available for qualifying individuals and families. Please use the subsidy calculator to estimate your costs and subsidies.
The coverage you receive through your employer will stay the same except consumer rights will increase. One of these rights is the right to appeal coverage denials. Also lifetime caps for coverage have been removed. If you or a family member have a "major" claim there will be no limit on the coverage amount. Some treatments for critical illnesses can reach up to millions of dollars.
However, companies are showing a trend of passing on the increasing costs to the employee or dropping health insurance benefits altogether. Click here
to learn what options you have besides group health insurance.
Most procedures considered preventive care is now covered under the new law. If you purchased a non-grandfathered individual health plan after March 2010 you may reap these benefits. Get your yearly physical, yearly gynecologist, mammograms, cancer screenings, and other preventive care benefits worth thousands of dollars.
Under the new Patient's Bill of Rights the insurance companies cannot set annual dollar limits on coverage and will be phased in for the next 3 years. Insurers will not be able to deny coverage to children under the age of 19 who have pre-existing conditions. Insurers may not put barriers on emergency care if it is outside the given network.
Extended Coverage for Children
People under the age of 26 can stay on their parent's insurance plan no matter what their student status is. This includes employer group plans. Options for uninsurable people vary from case to case and should be discussed with an expert.
Transparency of Health Care Information
The new government website has lists of all plans and carriers in 50 states. The new law requires the industry to be more transparent
for consumers to make informed decisions
while giving them the option to go through the process online. It is predicted that technology will have a big affect on how this information can be obtained.
Health Reform Bill
There are currently 30 provisions in effect as of the end of 2011. To see all provisions and a short summary of each, click here.
Don't be left behind on healthcare news, it is still
a big deal. Inform yourself further about Arizona health care, laws, and the health reform.
3 Things You Need To Know About Arizona Health Insurance
1. There will be many health insurance exchanges available to the public in Arizona. Most will have both on and off exchange options but little will have the expertise needed to explain the all health insurance options in 2014. They will have expertise and experience over any customer service representative, plus they will know the area, hospitals, and networks. Choose from the best brokers in Arizona at Lookout Alliance, Inc.
2. Small to medium sized businesses now have the option to offer health care benefits without paying for group health insurance. New IRISA and IRS laws allow employers to reimburse employees for their individual insurance plans. Individual health plans are generally half the price than group health plans and will allow employers to save on payroll taxes. Another benefit allows employees to pay for their health plan tax free. Please visit Zane Benefits for more information.
3. Insurance Agents and insurance brokers can be very helpful, but it is safe to say that local brokers have ultimate knowledge of the state law and all Arizona health plans. Like everything in life, some are better than others, to view a list of people who can answer your health insurance questions click here.