The situation of health coverage in in SUGAR LAND TEXAS
1. After five years of the Affordable Care Act, more than 16 million people have health coverage.
That's more people than the populations of New York City, Los Angeles, and Chicago combined. This number includes parents who can finally afford to take their kids to the doctor, families who no longer risk losing their homes or savings because someone becomes ill, and young people who are now free to pursue their dreams without worrying about losing access to health care.
2. Medicaid is helping millions.
The Affordable Care Act allows states to expand eligibility for Medicaid, and 28 states and the District of Columbia have done so. Across all 50 states, there are 11.2 million additional Americans enrolled in Medicaid compared to a baseline period in the fall of 2013.
While not every state expanded Medicaid, those that did are seeing especially strong coverage gains. In Medicaid expansion states, the uninsured rate among families with incomes below 138 percent of the federal poverty line declined by 13 percentage points, nearly double the decline in non-expansion states.
3. Those with pre-existing conditions can no longer be denied health insurance.
Prior to the Affordable Care Act, health insurance companies could deny you coverage or charge you more because of a health problem that you had prior to applying for insurance. Thanks to the Affordable Care Act, health insurance companies can’t refuse to cover you just because you have a pre-existing condition and they can’t close you out of coverage by charging you more than someone who doesn’t have a pre-existing condition.
This key provision means that up to 129 million Americans with pre-existing conditions are no longer at risk of being denied coverage. This includes the parents of over 17.6 million children with pre-existing conditions who no longer have to live with that worry.
4. The uninsured rate for young Americans is at its lowest point since at least 1997.
Thanks to the Affordable Care Act, the uninsured rate for young Americans has declined by more than 40 percent over the past five years. Since 2010, more than 5 million young adults have gained coverage. This includes 2.3 million young adults who have gained coverage by being able to stay on their parent's health plan. Under the Affordable Care Act, young adults can stay on their parent’s coverage until age 26. With all that can happens in a young person's life, this provision helps ensure that those who are just starting out in college and work careers can plan with the assurance that they have access to quality and affordable coverage.
5. Americans no longer have lifetime and annual limits on their coverage.
The Affordable Care Act has lifted the lifetime health benefit caps for 105 million Americans. Previously, many plans set a lifetime limit on how much they would spend for your covered benefits during the entire time you were enrolled in their plan. If you went over, you’d be paying out of pocket. Annual limits also constrained families and inpiduals by restricting how much they could receive per year. That's not how it should be. That’s why the Affordable Care Act prohibits health plans from putting annual or lifetime dollar limits on most benefits.
These are just five of the core ways in which the Affordable Care Act has helped Americans get quality, affordable health care. See for yourself: Click here to meet inpiduals who have benefited from health care, read their stories, and then pass them on so others can see what getting covered -- and staying covered -- means.
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SUGAR LAND TEXAS
Health Insurance Market in SUGAR LAND TEXAS
From January 2014 is effective Health Insurance Market , which is designed to help you find the insurance that best suits your budget and needs of health coverage suits. Each health plan included in the new market will provide comprehensive coverage: doctor visits, medicines, hospital services, preventive services and more. It will also be possible to compare all the health insurance options based on price, benefits and other features that may be important to you.
Who is eligible to use the Health Insurance Market?
Anyone can use the Health Insurance Market to explore their options for health coverage, even if you have insurance.
The following are the only requirements to obtain insurance through this new market:
Live in America
-become naturalized US citizen or native, or lawful permanent resident
-not be in jail
Learn more about who may register in the Health Insurance Market.
Each state will have its own insurance market. Some states already provide information on the Health Insurance Market. See if it is the case in your state .
Learn about the 10 essential health benefits plans offered all Market.
Registration Process in Medical Insurance Market
From October 2013 you can get information about all the plans available in your area. You can also register directly online or by phone toll-free hotline to be appointed for this service.
If you have difficulty finding a plan that fits your needs and budget, there will be people available to help you explore your options for coverage. The help you receive from these people is completely unbiased. These wizards are not related to any particular plan or receive any commission (compensation) in relation to health plans available.
Learn more about how to prepare for the registration process .
Free or low-cost care
If you do not have or can not afford health insurance, there are options for you to receive free or low-cost care. Learn about the resources available to meet the health care options you need.
Options private health insurance with low premiums
Medicaid and Medicare
Community Health Centers
Know where to receive care if you have no health insurance
Free health insurance or affordable for children
The Health Insurance Program for children provides low-cost health coverage for children of families who earn too much to qualify for Medicaid coverage and who can not afford health insurance revenue Private. The CHIP program is a state and federal partnership that works in conjunction with Medicaid.
Each state operates a CHIP, but most states have unique names for their programs as Child Health Plus (New York), Healthy Families (California) and Hoosier Healthwise (Indiana). In several states, the CHIP and Medicaid are combined into one program.
What you need to know about CHIP:
Basic requirements for eligibility for CHIP : children up to age 19 in families with incomes up to $ 44.100 per year (for a family of four) are likely to receive coverage. In many states children from families with higher incomes may also be eligible.
Eligibility and Pregnancy : Pregnant women may be eligible for CHIP. Coverage for Moms generally includes laboratory tests and costs of labor and at least 60 days post-partum care.
States citizenship and immigration : the CHIP covers US citizens and certain legal immigrants. States have the option to cover children and pregnant women residing legally in EE. UU. The undocumented immigrants are not eligible for CHIP.
For information about health coverage programs Medicaid and CHIP in your state, visit the programs in your state , or call 1-877-543-7669.
It charges: health coverage option if you lost your job
If you do not already have medical coverage that gave your employer may have the option of keeping it through the program "continuation coverage", better known as COBRA.
This program allows you and your family to maintain health insurance he received while employed for a limited time after it stopped working time. When your employer stops paying COBRA is likely that you need to pay the full cost of the monthly premium.
What you need to know about COBRA coverage:
-Overall COBRA requirements apply only to employers with 20 or more employees. Many states have laws similar to COBRA that apply to employers with fewer than 20 employees. Contact the Department of Insurance in your state (in English) to find out if the "continuation coverage by the state" applies to your case.
-If your family was under the employer coverage, this coverage may also be eligible for COBRA.
-In most cases you should receive a notice of benefits administrator or health plan from your employer stating that your coverage is ending and offering the right to COBRA.
-In most cases you have 60 days after your last day of coverage to enroll in COBRA.
-Generally the program lasts 18 months but could last up to 36 months.
For more information about call COBRA benefits administrator of your employer and learn about their specific through this program options.
-If the coverage of your health plan was through a private employer (not a government employer), you can visit the website of the Department of Labor or call 1-866-444-3272.
-If the coverage of your health plan was through an employer state or local government, you can call 1-877-267-2323, extension 61565.
-If the coverage of your health plan had as an employee of the federal government, you can visit the website of the Office of Personnel Management (in English).
Our nation’s most basic duty is to ensure that every child has the chance to fulfill his or her potential. This isn’t the responsibility of one individual or one neighborhood: it’s up to all of us to pave these paths of opportunity so that young people — regardless of where they grow up — can get ahead in life and achieve their dreams.
One of the participants was a teenager named Edwin Manzano. The son of a hard-working single parent, Edwin found encouragement and support at the East Oakland Youth Development Center (EOYDC). Thanks in part to the academic and mentoring services offered by the EOYDC, Edwin will become the first member of his family to attend college when he begins his studies this fall at San Francisco State University.
Edwin is grateful for the opportunities that EOYDC afforded him. “Everyone needs a support system,” he says. That’s true whether you are a teenager or HUD Secretary. I was lucky when I was growing up on the West Side of San Antonio. Although it was a modest community in terms of resources, it was rich with folks who took an interest in my future. I had family members, teachers — and even policymakers — who paved a path that allowed me and other young people like me to succeed.
Unfortunately, not every child is as fortunate. That’s why My Brother’s Keeper is so close to my heart. The future of every young person in America should be determined by their heart, their mind and their work ethic. It should never be determined by their zip code.
In Oakland, I talked with 17 young people who have big hopes and aspirations for the future. It’s in our nation’s interest to help them achieve their goals. And we’re committed to doing our part at HUD.
For example, we’ve introduced a Jobs-Plus pilot program that will provide public housing residents in eight cities with intensive employment training, rent incentives and community building focused on work and economic self-sufficiency.
We’re also working on a broadband initiative to ensure that students living in HUD-assisted households will benefit from the life-changing opportunities available through high-speed internet. This project will provide the access to online resources that young people need to succeed in the 21st century global economy.
On the housing front, we expect the recent expansion of our Rental Assistance Demonstration (RAD) initiative to aid HUD-assisted properties in raising billions of dollars in private sector investment — funding that will be used to secure our nation’s affordable housing future. And recently, our Federal Housing Administration lowered its Mortgage Insurance Premiums to make homeownership more affordable for responsible families, helping them put down roots and build wealth for the future.
But I know HUD alone won’t solve the issues facing America’s youth. These challenges require our Department to maintain longstanding, effective partnerships with other federal agencies and key stakeholders. Most importantly, President Obama understands that My Brother’s Keeper will only succeed if local leaders take his call to action into their own hands.
Folks in Oakland are stepping up to answer this call. During the Community Conversation, I spoke with leaders from Oakland’s nonprofits, philanthropic institutions, and faith-based organizations that are putting our young people on the path to success. Groups like the East Oakland Youth Development Center, the East Bay Foundation, and the Allen Temple Baptist Church are using promising and proven approaches to make a real difference in their communities.
This kind of work is happening all across the nation and will benefit generations of Americans. We’ve got to keep it going by continuing to support our young people. When they succeed, our nation grows stronger, and our future becomes brighter. And by giving everyone an opportunity to reach their goals, we can ensure that the 21st century is another American century.