The Affordable Care Act (ACA), signed by President Obama on March 23, 2010, has allowed individuals with preexisting conditions, including disabilities, to have access to affordable health insurance without discrimination. Health-care and insurance coverage rates will no longer be allowed to increase due to a preexisting condition, giving patients more flexibility and expansion in health-care options.
Paralyzed Veterans’ Associate Advocacy Director Lee Page said, “This major health-care law provides lots of opportunity for long-term home and community services.”
Recently, a new fact sheet was released by www.healthcare.gov, which outlines key aspects of the ACA. The terms of the ACA have taken away the insurers ability to deny, cap, or limit a patient’s coverage. Patients have also been given new options for long-term supports and services.
The ACA is intended to protect people from their insurance companies. With affordable health care, “there is an increase in opportunity for Paralyzed Veterans of America members to live in their homes versus becoming impoverished, driven to nursing homes, or other restrictive and more expensive institutional settings,” Page said.
For the estimated 100,000 paralyzed veterans with spinal cord injuries or diseases, Paralyzed Veterans has taken initiative in promoting the ACA. “We are working with chapters and organizations to ensure the implementation of this act,” Page added.
The ACA has furthered new health insurance programs including the Pre-Existing Condition Insurance Plan (PCIP). PCIP gives patients access to affordable choices through an organization called Exchange and is offered in every state for the convenience of patients.
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