Back to Top Emerging Issues in Access to Health Services Over the first half of this decade, as a result of the Patient Protection and Affordable Care Act of20 million adults have gained health insurance coverage. In addition, data from the Healthy People Midcourse Review demonstrate that there are significant disparities in access to care by sex, age, race, ethnicity, education, and family income.
Why is health insurance important? New Health Insurance Marketplaces are open in every state that will provide one-stop shopping for health insurance for individuals, families, and small employers needing coverage. To find the Health Insurance Marketplace for your state, visit www.
Individuals who need coverage who are legally residing in the U. Small employers with fewer than 50 full-time employers can also purchase coverage through the Marketplace. Insurance companies will not be allowed to deny coverage to individuals with pre-existing medical conditions nor will they be allowed to charge higher premiums to people because of their health status.
Most uninsured individuals will qualify for financial assistance called a Health Insurance Premium Tax Credit to help make their insurance premiums affordable. The amount of financial assistance will depend on your income and family size. Individuals with low incomes may qualify for free or very low premiums.
All of the health plans sold through the Marketplace are offered by private insurance companies and are required to meet minimum requirements.
Individuals will be able to choose the plan that best meets their needs and budget. Individuals who need coverage can fill out a single application to find out what financial assistance they are eligible for and to apply for coverage.
Individuals can also call toll-free to apply. However, in certain circumstances, you may be able to buy coverage outside of the regular open enrollment periodsuch as if you: Have or adopt a baby, or Get married, or Move to a new state, or Lose your other health insurance coverage.
There is no open enrollment period for these programs. Also, if you own or operate a small business, you can begin offering coverage to your employees at any time. If you have heart disease or strokehealth insurance can help. Heart disease and stroke can be very expensive; in fact they are leading causes of medical bankruptcy.
Health insurance can help you avoid being stuck with large medical bills. If you have health insurance you can: Go to the doctor for preventive services and get the care that you need to stay healthy and prevent serious illnesses; Be treated sooner if you or one of your family member get sick or diagnosed with a heart condition; and Avoid having the condition worsen.
Understand Your Options Health insurance can be confusing and overwhelming. The good news is that there are several resources that can help you understand and compare health plans: Summary of Benefits and Coverage: If you have a private health plan, you should get a standardized, easy-to-understand form called the Summary of Benefits and Coverage.
You can use it to help you compare different insurance options. To see a sample of this short form and learn more about how it can help you, Consumer Reports magazine has developed this helpful guide.
Glossary of Health Insurance Terms: Department of Health and Human Services has developed a glossary of common insurance termssuch as deductible, copayments and out-of-pocket limits. Reading up about health insurance can take a little time, but it will pay off — for your heart health!
Paying for Health Care or Health Insurance Starting October 1, new financial assistance called the Health Insurance Premium Tax Credit will be available to help make insurance premiums affordable for those who need coverage. Meanwhile, if you need coverage immediately and would like to search for and compare plans available now, go to finder.
Some hospitals, health centers and clinics provide medical care, prescription drugs, dental care, and other services regardless of your ability to pay.
Anyone may use a community health center, whether you have health insurance or not. How much you pay will depend on your income. Find a community health center near you.The Importance of Community Health Centers Studies estimate that the provision of care in community health centers ultimately saves the U.S.
health care system between $ billion and $ Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible. You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.
a broad overview of health care quality including: the current state of health care quality, why it is important, lessons learned from the non-workers’ compensation world, and why a focus on quality makes sense from a business standpoint. Health insurance protects you from unexpected, high medical costs.
You pay less for covered in-network health care, even before you meet your deductible. You get free preventive care, like vaccines, screenings, and some . How To Promote Equality and Diversity in Health and Social Care The Importance of Equality and Diversity Everyone should have access to the support and care that they need regardless of their individual circumstances.
It is important to care for the whole person and to see them as just that; a whole person, not just a patient or diagnosis.
Holistic nursing care involves healing the mind, body, and soul of our patients.