Resources

Health Care Reform

The Affordable Care Act was designed to improve quality and lower costs of health care; provide consumer protections, mainly in regard to insurance coverage; and increase access to care, especially among lower income, uninsured, and underinsured populations.

Highlights of the law include:

  • Guaranteed coverage regardless of pre-existing conditions
  • No annual or lifetime dollar limits on coverage benefits
  • Capped annual out-of-pocket expenses
  • No dropped coverage due to illness, simple errors in application, or participation in clinical trials
  • Equitable premiums, regardless of gender or pre-existing conditions
  • Coverage for young adults, up to age 26, on parent’s policy
  • Preventative care coverage, including full cost of some screenings, tests, and vaccines
  • Essential health benefit coverage, to include coverage for
    • Ambulatory patient services
    • Emergency services
    • Hospitalization
    • Maternity and newborn care
    • Mental health and substance use disorder services
    • Prescription drugs
    • Rehabilitative and habilitative services and devices
    • Laboratory services
    • Preventative and wellness services and chronic disease management
    • Pediatric services, including oral and vision care
  • Concurrent hospice and curative care options for parents of children with special health care needs.

Marketplaces have been created for the purchase of health insurance. Indiana uses the federal marketplace. Individuals and families may access the marketplace to compare and purchase insurance policies. Streamlined, simplified applications, which screen for Medicaid and CHIP eligibility, are available on the marketplace. To apply cost-sharing and premium tax credits based on family income and size, policies must be purchased from the marketplace.

Visit our Guide to Purchasing Insurance and our ACA Webinar for more information. Additional details are provided in these articles.

Beyond the Rhetoric: What the ACA Means for My Family

Insurance Terms and Policy Review

Premium Pricing

Covering ABA

Concurrent Curative and Hospice Care

 

 

 

 

 

 

 

 

 

 

 

 

 

Many of the featured resources were originally developed to address trending concerns and questions. Please check with Family Voices Indiana for the most up to date information.