Pre-existing Conditions Insurance Plan The pre-existing condition insurance plan is a form of health insurance for uninsured individuals that have an expensive pre-existing condition that became ineligible to obtain or too expensive to afford without the benefit of pre-existing coverage. A pre-existing condition is a medical illness that is prohibited from medical coverage by an underwriter due to a previously illness that occurred to the policyholder acquiring the policy from an underwriter. The pre-existing condition was incorporated into the health care reform to ensure those individuals with illnesses and diseases that their coverage is guaranteed, without the fear of being rejected under any circumstances aside from being fraudulent (Obama …show more content…
The Affordable Care Act has stepped in and made changes to how the insurance companies deal with young people. The Affordable Act has allowed the young adults to be carried onto their parent's health care until twenty-six. It uses to be full-time school or 19. The Affordable Care Act is affordable and increasing to insured more young adults as time goes on. The number of people who were uninsured is now covered by some health coverage. The people are getting coverage through the Marketplace that helps with getting a tax credit. With the ACA young adults are being allowed to stay on their parent's insurance. Having a pre-existing condition this would cause a young adult to lose their insurance but now with this passing, the young adults are able to be covered and not worry about an increase on their policy. There is a high amount of young adults who aren't insured with the Affordable Act in place this will continue to work with covering young adults and introduce new coverage plans options that are available. By doing this, it takes the burdens off of them and others. The worry of nonmedical bills will be less. In the meantime, people are being educated on how to reduce the barriers and get what they need to be covered for the care they are being treated …show more content…
This regulation opens the door to students receiving dental and vision coverage until the age of 19, longer coverage under their parents insurance until the age of 26 and a direct insurance plan until of 30. Students that are under the age of 19 and come from low-income households qualify for Children's Health Insurance Program also known as CHIP. Under this insurance policy students also receives Dental and Vision care. CHIP is available in most states however once the student becomes 19 the coverage ends. A student that is under the age of 26 can stay on their parent's insurance plan until their 26th birthday. If a student is out of the state for their educational advancement, their parents should enroll in a multi-state PPO plan. This plan allows the eligible student to receive coverage under the health plan without huge out of pocket cost for medical attention. Currently, the only health care provider that offers the multi-state PPO plan is Blue Cross Blue Shield Association. The multi-state PPO plan is available within 35 states and the District of Columbia and by 2017 the Patient Protection and Affordable Care Act requires all states to offer this PPO plan (Obama Care Facts,