What You Need to Know About Health Care Reform
Extra Benefits Under the Law continued...
You’re better protected by insurance. If you or someone in your family gets sick, your insurance company can no longer cancel your coverage. Health insurance plans must cover a list of 10 essential health benefits.
Essential benefits include emergency services, hospitalization, maternity and newborn care, prescriptions, and more. You can choose who will be your primary care provider, often referred to as PCP. Your PCP is your lead health care professional -- the one you see for screenings and when you're sick. A PCP can refer you to specialists if you need them.
It’s your right to appeal insurance decisions. Each plan must have an appeals process, which tells you the steps you must go through to ask a health plan to pay for something they said wasn't covered. When they deny coverage, every health plan must tell their members, in writing, what the appeals process is.