Will obamacare help cover a heart transplant?
The coverage of a transplant depends upon insurance, but ObamaCare can help as many of it's new protections limit costs and what one can be denied for. So let's look at the facts:
- The ACA mandates that all plans cover essential benefits. This applies to essential surgery you need and medications, plus in-patient and out-patient care.
- The ACA limits out of pocket maximums and has no dollar limits on essential care. This applies to all in-network covered benefits up to an allowed amount.
- The ACA mandates that insurers must accept someone regardless of health status and can't charge them more for insurance.
- However, things like waiting lists and drugs and treatments that aren't covered under essential benefits (but are still needed) can still factor in.
In short, the ACA can and should be helping someone needing a transplant in many ways, but one should always check with their insurer and appropriate healthcare providers to better understand major non-emergency health services like this.
Please feel free to comment with any experince or further questions to help others understand the implications under the law. Remember healthcare and health insurance can differ wildly by region, so feel free to include your state and region in the comment.