Healthcare Coverage ALERT!

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Healthcare Coverage ALERT!

Congress is about to institute policies (under the New American Health Care Act) that will eliminate some key provisions of the Affordable Care Act (ACA). These new policies will weaken protections for those with pre-existing conditions. This means an estimated 52 million adults under 65. Under the current ACA law, health insurance companies can’t refuse to cover you or charge you more because you or your child have a “pre-existing health condition” — like asthma, diabetes, or cancer. Insurers cannot limit benefits for that condition either. .

However, The American Health Care Act will allow insurers the right to choose what counts as “pre-existing”. The American Health Care Act will allow insurers to charge people with pre-existing conditions more for health insurance if the states set up high-risk insurance pools. Insurers still cannot deny people coverage outright, as was protected under the ACA, but they can hike up premiums to an unaffordable amount, effectively pricing people out of the market. This could increase health care costs for an estimated 130 million Americans.

According to a report from AARP, premiums could reach as high as $25,700 per year for people in high-risk pools. People who receive insurance through their employer would not be affected, unless they lost their job or moved to the individual insurance market for some other reason.

Over 50 pre-existing Health conditions will no longer be covered. Here is a partial list:

  • Acne
  • Acromegaly
  • Aortic or Mitral Valve Stenosis
  • Arteriosclerosis
  • Arteritis
  • Asbestosis
  • Alcohol or drug abuse with recent treatment
  • Alzheimer’s/dementia
  • Anorexia
  • Arthritis
  • Bulimia
  • Cancer
  • Chronic Obstructive Pulmonary Disease
  • Cirrhosis of the Liver
  • Coagulation Defects
  • Cardiomyopathy
  • Cerebral palsy
  • Congestive heart failure
  • Coronary artery/heart disease, bypass surgery
  • Crohn’s / Colitis disease
  • Cystic Fibrosis
  • Diabetes
  • Epilepsy
  • Hemophilia
  • Hepatitis
  • Kidney disease, renal failure, Dialysis
  • Lupus
  • Mental disorders (including Anxiety, Bipolar Disorder, Depression, Obsessive Compulsive Disorder, Schizophrenia)
  • Multiple sclerosis
  • Muscular dystrophy
  • Myasthenia Gravis
  • Obesity
  • Organ transplant
  • Paraplegia
  • Paralysis
  • Parkinson’s disease
  • Pending surgery or hospitalization
  • Pneumocystis pneumonia
  • Polycythemia Vera
  • Pregnancy or expectant parent (includes men)
  • Psoriasis
  • Pulmonary Fibrosis
  • Sleep apnea
  • Stroke
  • Transsexualism

CALL YOUR SENATORS and let them know how this ACT impacts your health care. Voice your disappointment and concerns!

Download the full announcement here.