Employer sponsored insurance, often referred to as a job-based plan or group health plan, is health insurance provided by an employer for their employees and in some cases, their families.
For those affected by bleeding disorders, access to affordable, quality health coverage has historically been difficult to obtain and maintain. As a result, many in the community have experienced unnecessary complications and/or acquired co-morbidities. Since 1948, NHF has been committed to ensuring patient access to comprehensive care, safe treatment therapies, and education. The bleeding disorder community has access to coordinated, comprehensive care through a network of federally recognized hemophilia treatment centers (HTCs) that serve as a model of care replicated around the world, and access to safe, effective therapies. The passage of the Affordable Care Act (ACA) takes another step toward removing the obstacles and barriers that have negatively impacted access to care. The bleeding disorder community recognized an immediate positive impact from many of the market reforms in the ACA, including:
- Elimination of lifetime or annual limits on essential health benefits
- Elimination of rescissions in all health plans except in the case of fraud
- Guaranteed issue and renewal – everyone is guaranteed access to an insurance plan regardless of health status or utilization of health services
- Elimination of pre-existing conditions for all
- Extension of coverage for adult children up to age 26
Choosing the Health Plan that is right for you!
While the changing environment holds promise for new coverage opportunities for those affected by rare, chronic conditions, it is more important than ever for consumers to be educated and informed about coverage options.
- What types of coverage are available?
- Who is eligible?
- What is the cost to the consumer? Premiums? Co-pays and cost shares?
- What services and providers are covered?
Understanding the rules associated with your health plan and the scope of covered services is critical and best learned prior to a crisis!