Exclusion Riders Will Be Riding
Straight Into the Sunset
If you've never had to worry about what a
"rider" is, you're lucky. But if you're one of the thousands of Texans who
were denied certain aspects of healthcare coverage in the past, keep reading
to find out what's changing on January 1st.
Applying for an Insurance Policy in the
Before the Affordable Care Act (ACA) was
signed into law on March 23, 2010, applications for individual health
insurance policies in Texas were subject to a standard underwriting review
process. You would apply online, answer a lot of personal questions about
your health and prescription drug history, and then wait to hear if the
carrier approved you. The waiting period was anywhere from one day to two
weeks while providers scrutinized your information. Ultimately, they could
decline your application altogether. But they want your business, so they
get creative about ways to provide coverage that will work for their bottom
line and your basic needs.
When Coverage Does Not Provide Full
In many cases, the carrier would approve
the application with a catch - assigning either a permanent or temporary
exclusion of benefits, which is also referred to as a rider. The
rider might exclude services related to a specific medical condition you
have, or exclude treatment for a specific organ, system, or body part
Coverage without Exclusions
tweaks to health insurance policies will no longer be a factor on January 1,
2014. The Affordable Care Act requires that policies offered to U.S.
citizens be issued with no exclusions or riders.
Benefits must be made available - in full - to all.
What to Do About Your Rider
Are you one of the thousands of Texans
with a rider right now?
Your current policy can be terminated, and
you can secure a new policy for January 1st that accommodates any
medical condition. Plans with all of the
mandated essential benefits will be available to you, regardless of
health history. Whether an applicant has a condition from the distant past
or is currently being treated, coverage is guaranteed.
Cancer, leukemia, arthritis, high blood
pressure, diabetes, Crohn's disease, lupus, AIDS, ALS, cystic fibrosis,
Parkinson, multiple sclerosis, sickle cell anemia, or even news of an
pregnancy - these medical issues are no longer barriers to coverage.
Benefits for Texans Right Around the
Are you suffering from a chronic condition that requires
ongoing medical attention
Have you been diagnosed with cancer recently?
Are you planning to start or expand your family in 2014, but
don't have maternity coverage?
The important thing to remember is that
beginning October 1st, these new all-inclusive policies can be
quoted - without riders! - for a January 1, 2014 policy effective date.
Texas consumers can begin to evaluate their options now, and Stateside would
like to help. In addition to eliminating riders, the Affordable Care Act
also mandates that premiums cannot be rated up due to these medical
conditions. In other words, carriers cannot charge you more because of your
condition, whatever it may be.
Contact Stateside to Review Your
Call us for a review of your current
coverage, whether you secured it through Stateside Insurance Services or
not. We may be able to identify cost saving opportunities for you and your
family, without compromising on strong coverage options.
You can contact Stateside Insurance Services in whichever way is most
convenient for you:
Toll Free: (866) 444-3332
Austin Local: (512) 542-9760
Toll Free Fax: (800) 349-2730
Run your free and instant
Texas Health Quote