Rights & Protections
Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand. Some rights and protections apply to plans in the Health Insurance Marketplace or other individual insurance, some apply to job-based plans, and some apply to all health coverage. These rights and protections provide even more choice and control over your health coverage when key parts of the law take effect in 2014. The health care law protects you in these areas:
•Creates the Health Insurance Marketplace, a new way for individuals, families, and small businesses to get health coverage
•Requires insurance companies to cover people with pre-existing health conditions
•Helps you understand the coverage you’re getting
•Holds insurance companies accountable for rate increases
•Makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick
•Protects your choice of doctors
•Covers young adults under 26
•Provides free preventive care
•Ends lifetime and yearly dollar limits on coverage of essential health benefits
•Guarantees your right to appeal
COURTESY: US DEPARTMENT OF HEALTH & HUMAN SERVICES
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