Miami, FL About the Law

The Affordable Care Act, well-known as ACA or Obamacare among Americans, gives people the right to decide on their health care. Nowadays more and more consumers have the stability and flexibility they needed to make informed choice thanks to the “Patient’s Bill of Rights”.

Have a look at the main features of ACA:

Coverage

  • Pre existing-condition by which health plans deny or limit benefits to children under 19 comes to an end.
  • For those who are 26 years old or younger, their parent’s health plan keeps them covered.
  • Arbitrary Withdrawals of Insurance Coverage are over; therefore in case you have made an honest mistake, insurance companies won’t cancel your coverage.
  • Today your right to appeal is guaranteed, because you can are allowed to ask that your plan reconsider its denial of payment.

Costs

  • Lifetime Limits on coverage draw to a close, in other words, lifetime limits are no longer applied on health insurance plans.
  • Reviews Premium rises, and now insurers must publicly provide explanation for any unreasonable rate increment.
  • It helps Americans to get the best from their Premium Dollars which must be spent on health care rather than administrative procedures.
  • CareFree Preventive care – No copayment. You can receive preventive health service at no cost to you.
  • Your choice of physician from your plan’s network is protected.
  • It breaks down Insurance Company Barriers to Emergency Services, so people can get emergency care anytime they need it, even in a hospital that isn’t in their health plan’s network.

Care

  • Free Preventive care – No copayment. You can receive preventive health service at no cost to you.
  • Your choice of physician from your plan’s network is protected.
  • It breaks down Insurance Company Barriers to Emergency Services, so people can get emergency care anytime they need it, even in a hospital that isn’t in their health plan’s network.

ACA and Small Business


The Patient Protection and Affordable Care Act was created with the aim of offering quality and affordable health insurance to Americans. Moreover, it brings more benefits to small business depending on the size of each business.

The Affordable Care Act includes:

  • Self Employed
  • Employers with Fewer Than 25
  • Employers with Up to 50 Employees
  • Employers with 50 or More Employees

More detailed information is available on the following links.

ACA Law

ACA Amendment

Health State Facts