Quote:
Originally Posted by mike0618
Actually some policies will not be around anymore in the way they are now. Theres certain things required of all policies and high deductables will not be available. The reason for a high deductable is for lower payment for someone who doesnt go to drs or use their policy much.
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Yes, the ACA institutes a basic standard of care requirement that all insurance policies must cover.
The new rules protect consumers by setting a minimum standard (“low bar”) for both benefit packages and cost-sharing requirements. These standards won’t limit consumers’ real choices; plans can certainly exceed those minimum standards. What these standards will do is help consumers avoid inadequate plans that don’t cover enough or unaffordable out-of-pocket costs.
Affordable Care Act Delivers New Minimum Standards for Health Insurance Coverage | Florida CHAIN
The essentials that must be covered include: Ambulatory Care, Emergency Care, Hospitalization, Maternity Care, Mental Health and Substance Abuse Treatment, Prescription Drugs, Rehabilitative and Habilitative Services, Laboratory Services, Preventive Services and Chronic Disease Management and Children’s Dental and Vision Care.
The policies that will disappear don't meet these new standards.
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