This law is referred to all public health, health care in all its forms and specific medical care. The main priority of the state is to maintain public health. The state regulates and manages the laws regarding a health care. Many states od U.S assigned authority to state agencies like “board of health” and these boards are created by the law – giving acts.
This law sometimes can be confusing, and most people have difficulties to understand it. But here are the basics that will cover your lack of knowledge.
Based on services and on a cost that covers that services people choose a plan that they will pay to their health insurance company. And this amount is same every month. If your health plan doesn’t cover some services, you will have to pay them additionally.
The reform of health care system has brought us some changes:
All people are obligated by the law to have health insurance.
Health plans include health care for those who purchase on their own or they get is a benefit from the employer. Every employer who has up to 50 workers must provide ten health care benefits.
People who are single and those with working families may expect from the state to help them cover health care costs. This also includes people who aren’t in this program now.
Many states of U.S have Medical Assistance programs, who are also called Medicaid, and they offer their health plans to more and more people who doesn’t have insurance.
You can also purchase health insurance at the Health Insurance Market.
Prices for individual and group plan, who has 50 or less worker, will be determined by the fact who will be under the health plan, they will consider their age, place of life, are they smokers and the plan they select.
And since the beginning of January in 2014, the law demands that you have health insurance. This insurance must cover following categories: preventive services, pediatric, dental and vision services, emergency care, drugs prescription, ambulatory and laboratory services, hospitalization, mental treatment, maternity services and rehabilitation services.
Medicare and Medicaid
Every patient who fails to have medical insurance knows how much medical expenses can be expensive, and many citizens of America are unable to pay such costs. This is where Medicare and Medicaid begin to act. On one hand, Medicare is available to all elderly citizens across the states, while Medicaid is available to all low-income citizens in America and it doesn’t matter which age they are.
For example, citizens who have 65 years are candidates for Medicare program, and the are two parts, part A covers basic medical expenses, while part B in an additional program and it depends on the financial state of the patient.
Medicaid, on the other hand, covers basic medical expenses and services of the patients who have low income and are the below the certain financial criteria. Every patient has the right to the treatment, and if you suspect that someone has endangered that right, you should seek legal help.