How Health Care Reform Affects Your Heart Care
You will find it easier to manage heart problems with the Affordable Care Act. Helping you manage chronic diseases is an important part of health care reform. This includes helping you lower your risk for heart attack or stroke.
Managing Heart Disease
If you buy health insurance through your state's Marketplace, your plan must cover certain essential health benefits. You may need some of these services as a heart patient, such as:
- Counseling for diet, smoking, alcohol abuse, or depression to learn how to lower your chance of complications from heart disease
- Prescription drug coverage
- Emergency room and hospital coverage
- Rehabilitation services
Be aware that each state determines the details of exactly what must be covered under these categories. Individual health plans may add to those minimum requirements. So before you enroll, read the plan's summary of benefits to see what specific services you’ll have access to and what your costs will be.
If you get insurance through your job, check your health plan to confirm the details of your coverage. Plans that have been in effect since before the Affordable Care Act was passed in 2010 and have not substantially changed, do not have to provide all the benefits. These are known as “grandfathered plans.
Reduced Costs to Treat Heart Disease
The Affordable Care Act has rules about the most you have to pay out-of-pocket for your medical care. These start in 2014:
Health plans cannot limit how much they will spend on covered expenses for your health care. Annual and lifetime limits go away.
Your out-of-pocket costs will be limited. Health plans will have what is called a cap. Once you reach that amount, your insurance company covers the rest of your costs. That includes what you would spend on copays and deductibles for medical services and prescriptions.
You might be able to get financial help to pay for some costs if you're buying insurance through your state's Marketplace. You may be able to get a tax credit to lower your insurance premiums. And you may qualify for a cost-sharing subsidy, which reduces out-of-pocket expenses, like paying for heart medicines.
You might qualify for Medicaid coverage, even if you haven't in the past. This will depend on how much you earn and the state you live in. See Medicaid Expansion: At-a-Glance to learn more.