How Health Reform Affects Disability Care
The Affordable Care Act protects your insurance coverage in several ways:
- You cannot be dropped from your plan because you have a disability.
- Your plan must cover your child, even if the child has a disability.
- You cannot be turned down for coverage if you have a disability.
- Your children can stay on your plan until they reach age 26.
- Your plan will not be able to have a dollar limit on how much it spends on your care. Annual and lifetime limits go away.
- You cannot be charged more for insurance because you are sick or disabled.
- Your out-of-pocket costs are capped. There's a limit on how much you will spend each year. After reaching that amount, your plan covers all costs. That includes copays and deductibles.
If you use the Marketplace, you will be able to see what health care plans are available to you, the cost of the plans, and whether you qualify for help with your costs.
If you are an adult under the age of 65 with an income of $15,000 a year or less, you will qualify for Medicaid in every state. You should check with your State Medicaid agency to find out the details. Also, many of the programs cover additional benefits if you require nursing home care but want to stay in your home.
Helping You Live Independently
If you are struggling to live on your own with a disability or care for a relative who is disabled, the Affordable Care Act can help. The law expanded Medicaid programs that provide in-home care and help you avoid moving to a nursing home. The expansion of Medicaid’s Home and Community-Based Service options can help you stay independent or provide care for a loved one. In general, these services are only available to people who qualify for Medicaid.