Are New Health Laws Friend Or Foe?

Health care might seem like an entity all its own but in reality the government is trying to use many of the new health care laws to help stand up for the individual policy holders and not the insurance companies.  Finally there is help for the average citizen to get the benefits they deserve.

Many look at the new health care laws as the consumer’s worst enemy but in reality there are numerous inclusions which are designed to help out the individuals in their fight to get health insurance benefits.  One of the most incredible inclusions into the health insurance laws is the right to quicker and more comprehensive appeals for those who are insured.   These rules require a faster and more immediate response to appeals on claims that they have denied and also an independent assessment and review of denials.  This means a greater response time and more claims being approved very simply because the health insurance companies don’t want to be accountable for their denials.
 
Another way in which the existing health care plan is engineered to help out the individual is by the removal of the lifetime maximum benefit.  This used to be the point at which the health insurance companies would stop paying out any benefits to the insured and while those who spent only a limited amount of time under a specific insurance plan made out okay with this limit many of those employees who stayed at the same job and under the same health insurance plan for several decades found out just how easy it is to reach a $500,000 or million dollar lifetime maximum.
 
There are of course many other benefits which are stemming from the health care changes and these include of course the inclusion of everyone over time which will help to cut back the out of pocket cost to the individual as well as a plan to include everyone regardless of their pre-existing conditions.  There is also an inclusion to permit parents to carry their adult children on their health insurance plans longer as well which can help those who are students and trying to complete a lengthy course of study.
 
There are changes and for the most part those changes are created to help the average American.  While those against the health care reform will try to poison people against it, this is a plan which is designed to help consumers and the whole country as well.