Question

What policies should be implemented now that you know that Mrs. Gonzales’s secondary insurance will not cover her copayments until her high yearly deductible is met?

Answer 1

#. Deductible is the amount you pay for covered health care services before your insurance plan starts to pay. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

Mrs. Gonzales can opt for Affordable care act . All Americans must be insured and insurance must provide "minimum essential coverage"

Primary Care

Maternity

Prescription Drugs

Prevention and wellness

Chronic Disease Management

Rehabilitation and Devices

Pediatric Services

#..Affordable Health Care Act -Groups that are exempt from having health insurances include:

People with financial hardships and with religious objections.

American Indians who receive care through the federal Indian Health Services.

Those who have been un-insured less than three months.

Those who are incarcerated and receive care from the federal or state government.

#. Guidelines Under the Affordable Care Act

Organizing individual insurance through the Market Place

Insurers can no longer be denied based on pre-existing conditions

Insurance companies can't end coverage when policy holders get sick or charge higher premiums based on current or projected health status.

Insurers plans must cover essential health benefits

Insurances must allow dependent coverage until 26 years of age