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Patient's Bill of Rights - Case Study Example

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This paper explores the case of John who suffers from diabetes, a condition that health insurance companies consider preexistent prior to his application for a health insurance policy. He claims that the state has denied him the right to proper medical attention due to his health ramifications…
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Patients Bill of Rights
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Download file to see previous pages The pre-existent condition suffered by John places him at a disadvantageous position in the social arena. His condition limits his ability to access affordable health insurance if he becomes self-employed, secures a job in a company that does not proffer coverage or experience life-changing circumstances like retirement, divorce or relocation to a different state (HHS, 2011). That is when the Affordable Care Act comes to his aid. If it were, at any rate, rescinded, John would suffer a circumstantial health blow dealt by nature in the event of sickness. The Pre-Existing Condition Insurance Plan provides John with protection against egregious insurance companies’ discriminative health-oriented policies. Regulations found in the act have undergone  revision to provide that insurance companies should not use health status as the basis of ascertaining consumers eligibility, benefits, and premiums; individual and small businesses have a wide range of private insurance plans to choose from through Exchanges in their respective states; and ban on annual dollar limits on coverage in the group, and new individual market plans coupled with coverage of critical benefits and out-of-pocket spending limitations. In addition, insurers are not allowed to limit lifetime coverage to a fixed dollar amount, rescind your coverage on the grounds of a mistake on an application, deny coverage to a child due
for a pre-existing condition, and Pre-Existing Condition Insurance Plan have been set up to cater for those uninsured but have a pre-existing condition (HealthCare.gov, 2010). Despite this preexistent health condition, the interim Affordable Care Act that the Congress amended on June 22, 2010, caters for John’s health issue. The Act provides for the safeguard of his health by enshrining health-related regulations. It contains the Pre-Existing Condition Insurance Plan that offers protection for John. It avails health coverage to US citizens. John stands to benefit from what the plan has to offer as meticulously elaborated in the plan. The benefits include primary and specialty care, hospital care, prescription drugs and treatment of the pre-existing condition. Also, the program charge normal premiums irrespective of the medical condition and income are not the ground for legibility (HealthCare.gov, 2010). The State has several Federal-run programs that provide a legal framework geared towards addressing John’s health dilemma. The U.S. Department of Health and Human Services affects the Pre-Existing Condition Insurance Plan. However, there are laid-down requirements that John must comply with for health coverage.  ...Download file to see next pagesRead More
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