How can Obamacare be a game-changer if you’re already dealing with a diagnosed illness? Before the existence of the Affordable Care Act (ACA), commonly known as Obamacare, insurance companies had the authority to reject individuals with pre-existing conditions such as cancer, asthma, or diabetes. They could even reject or increase insurance premiums for pregnant women due to their condition.
However, the ACA mandates that all participating insurers cover pre-existing conditions and prohibits rejecting or charging different premiums for individuals with pre-existing conditions. According to the ACA, no plan can charge more or deny essential health benefits for any condition someone had before starting coverage.
Once enrolled in the plan, insurance cannot deny coverage or increase rates based solely on one’s health status.
Crucially, insurance plans under Obamacare cover pregnancy. If a woman is pregnant when applying, the plan cannot reject her or charge more due to her condition.
In conclusion, if you have a pre-existing condition and need a subsidized health plan, contact Univista Insurance. Our health insurance specialists will help you find the plan that best suits your condition, covering the medications you need and connecting you with the right specialists for your ailment. How can Obamacare be a game-changer if you’re already dealing with a diagnosed illness?
Give us a call today for a thorough assessment! (305) 964-8803. You can also get a free quote here.
