Health Insurance January 2014

 Beginning  January 1, 2014  insurers can no longer decline your health insurance application based on your medical history.   The use of diagnostic disease process as a measure of risk to support a higher premium payment is no longer valid.   Legislative regulation now folds this risk associated with pre-existing conditions in to the population of payers. Consumers who need the most help paying for their medical care now have access to health insurance products.

Consumers with a pre-existing condition were often denied coverage if that coverage had been sought as an individual in the health insurance market before March 2010.   Now health status is not an option for a rate increase. Consumers will still experience a rate increase with advanced age, tobacco use, and depending on your geographical residence.

Under the (ACA) Affordable Care Act as of January 1, 2014 all health insurance plans are prohibited from discriminating against or charging higher premiums to a consumer on the basis of a pre-existing medical condition.

 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2013 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human life.  You are cordially invited to download your free PATH ALONG App, seniors are saying they would not go in to the hospital without their App.

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