Health care reform offers help for people with chronic conditions like rheumatoid arthritis or osteoarthritis. Under the Affordable Care Act, you are guaranteed care for these conditions. You'll also have access to medicine and pain treatment, if you need it.*
If you have a child with a chronic condition, such as juvenile arthritis, your child cannot be turned down for insurance. Your child can stay on your insurance plan until age 26, for much longer than before the Affordable Care Act.
Under the Affordable Care Act, you can get or keep insurance coverage after you or your child is diagnosed with arthritis. This is because:
- You cannot be turned down for health insurance because of your arthritis.
- You can buy an insurance policy just for your child, even if they have arthritis.
- Your insurance cannot be canceled because you develop arthritis.
- Your children must be covered by your insurance if you choose to include them on your policy. This is true even if a child already has arthritis.
- Since the start of 2014, you must be allowed to buy a health plan from any insurer even if you have arthritis.
- All of your children can stay on your health plan until they reach age 26 if your health plan offers dependent coverage.
You may also benefit from rules that limit how much you will pay for your care or medicines. For instance:
- You will not have an an annual lifetime or dollar limit on how much a health plan spends on your care. Annual and lifetime limits have gone away.
- If you are sick, you can't be charged more for health insurance.
- Your out-of-pocket costs will be limited. Health plans must place a cap or a maximum on how much you spend on your care. 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 care and prescriptions.
Paying for Arthritis Medicine
Prescription drug coverage is one of 10 essential health benefits under the Affordable Care Act. That means it must be part of any policy that you buy through your state's health insurance Marketplace, on the individual market, or what's offered by a small employer
You may benefit from other essential health benefits. For instance, to care for your arthritis you may need:
- Chronic disease management
- Emergency care
- Hospital care
- Mental health services
If you're on Medicare, your coverage also includes the essential health benefits. So does Medicaid if you qualified because your state expanded Medicaid. Also, any plan you buy through your state's insurance Marketplace, on the individual market, or through a small employer must offer these benefits. If you get insurance through your job, check your health plan to confirm the details of your coverage. Large employers -- those with 50 or more employees -- do not have to cover the essential health benefits although the vast majority do.
Your arthritis may lead to other health issues. The Affordable Care Act can help with some of the care you may need to treat those conditions, too.
Savings on Drug Costs for Seniors
If you're on Medicare and take medicine for arthritis, you may be pleased to know that the donut hole -- the gap in Medicare coverage for prescription drugs in which you were previously required to pay 100% of your drug costs -- has changed significantly. You will only pay 25% of the cost of your brand-name and generic medications until you hit an annual limit, after which you pay only 5%. See What Medicare Costs, Part D to get the details.
*The exceptions to these requirements are “grandfathered” plans -- health plans that existed before March 2010 that have not made any significant changes to their benefits -- and short-term health plans -- those that provide coverage for less than one year. Grandfathered and short-term health plans do not have to offer coverage for essential health benefits. If you are not sure whether your health plan is grandfathered or a short-term health plan, call your insurance company.