HORROR STORIES AND CAUTIONARY TALES
OF THOSE INSURED THROUGH AN EMPLOYER
BEFORE AND AFTER THE ACA
OF THOSE INSURED THROUGH AN EMPLOYER
BEFORE AND AFTER THE ACA
Before the ACA, many insurance plans had annual and lifetime caps. If you got really sick and became an expensive patient, they could terminate your policy once you hit the cap. Pro Tip: $1 million doesn't do much when you have cancer -- or have a baby prematurely.
Before the ACA, students got bumped off of parents' ESI plans when they graduated from college. Some would maintain 12-college credits so they could keep insurance while looking for entry level jobs with insurance.
Before the ACA, this baby was named, "Pre-Existing Condition". If Baby PEC managed to not max out his lifetime caps before he was able to go home with Mom & Dad, he would be denied insurance after he graduated from college because of the condition he was born with, through no fault of his own.
|
What's a provision?Today, 156 million Americans with insurance through their employers benefit from three little known provisions that were implemented when the ACA took effect in September 2010. 1) No lifetime or annual limits: Plans are prohibited from limiting the lifetime dollar value of benefits and annual limits are banned completely. 2) Dependents under age 26: Plans must allow adult children under age 26 to enroll in a parent’s plan. 3) Guaranteed issue: a policy is offered to any eligible applicant without regard to health status (you can't be denied coverage because you are currently sick or have been sick before). Before September 2010, millions of Americans who thought they were covered by their employers' insurance plans were denied insurance, denied treatment or forced to file for bankruptcy. I'm sharing their stories. 156 million Americans have employer sponsored insurance (ESI) but for some reason, most aren't at all afraid about how an ACA "Obamacare" repeal will impact them. They should be. Hit the "Share Your Story" page of this blog and share your story with me. I'll post them weekly here and on Twitter and Facebook. |
Articles & ResourcesNeed proof? Want more? Find relevant articles with good explanations here.
|
Horror Stories & Cautionary TalesMy story. Your stories.
|
What's Your Story?Contact / Share
|
Please note: You aren't seeing any advertisements on this site because the whole thing is self-funded and self-managed.
I'm not profiting from this effort.
I'm not profiting from this effort.