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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
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The Affordable Care Act (Obamacare): If You Do Not Have Health insurance (Uninsu


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On Your Own:

  • Starting September, 2010:
    • You will be able to purchase health insurance through high risk pools despite a pre-existing health condition if:
      • You have not had health insurance for 6 months prior to the date on which you apply for coverage through the high risk pool AND
      • You do not qualify for insurance because of a pre-existing medical condition AND
      • You are a U.S. citizen or a legal immigrant.
    • Maximum out-of-pocket cost is $5,950 for individuals and $11,900 for families.
    • The pools exist until 2014 when you can purchase insurance through an Exchange. People with income up to a maximum of 4 times the Federal Poverty Level will get subsidies on a sliding scale.
    • Children with pre-existing health conditions will be able to get health coverage..
  • Starting in 2014, most of us will be required to have health insurance. 
    • If you do not, you will have to pay a penalty.  The amount of the penalty increases until 2016. After that the penalty is indexed for inflation. 
    • Insurers cannot deny coverage based on pre-existing conditions, but they are not required to pay for treating a pre-existing condition for the first 90 days.
    • Patient costs relating to clinical trials must be covered.

Through Medicaid:

  • Starting in 2014, you will be eligible for a revised version of Medicaid without regard to your health condition if your income is below 133% of the federal poverty level (FPL). 
  • More doctors will be encouraged to accept Medicaid because Medicaid reimbursements for primary care services will increase to match Medicare payments for these services. 

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