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Regulation of pre-existing condition exclusions in individual (non-group) and small group (2 to 50 employees) health insurance plans in the United States was left to individual U.S. states as a result of the McCarran–Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 ...
The Pre-existing Condition Insurance Plan (PCIP) was a form of health insurance coverage offered to uninsured Americans who were unable to obtain coverage because of a pre-existing condition. These provided coverage to as many as 350,000 people to fill the gap until the Affordable Care Act went into effect in 2014.
The law deals with a great variety of subjects, such as tobacco price supports, railroads, private pension plans, emergency department treatment, disability insurance, and the postal service, but it is perhaps best known for Title X, which amends the Internal Revenue Code and the Public Health Service Act to deny income tax deductions to ...
About one in four people have pre-existing conditions that made it difficult for them to get health insurance prior to President Obama's health care law.
No enrollment rejections due to pre-existing conditions Medicare Advantage plans can’t turn you down because of your health status. Better satisfaction levels and coordinated care than Original ...
Private disability insurance is sold on both a group and an individual basis. Policies may be designed to cover long-term disabilities (LTD coverage) or short-term disabilities (STD coverage). [143] Business owners can also purchase disability overhead insurance to cover the overhead expenses of their business while they are unable to work. [144]
Disability insurance includes short-term disability, which covers part of your earnings for a few months while you recover, and long-term disability, which covers part of your income for years.
Other provisions include providing incentives for businesses to provide healthcare benefits, prohibiting denial of coverage and denial of claims based on pre-existing conditions, establishing health insurance exchanges, prohibiting insurers from establishing annual spending caps and support for medical research.
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