This guest article is by Autumn Robertson, Co-Founder of Golden Gate Health Insurance, a local health insurance brokerage serving Marin, San Francisco, and the East Bay.
Health care reform is here, but how will it affect you and your family?
With all the changes taking place in the health care system these days, it can be difficult making sense of what it means for families. While businesses may not be cheering for the reforms, there are many benefits families will be able to take advantage of, such as insurance companies putting more money toward wellness benefits and preventative care. Wherever you and your family fit into the reforms, these times offer an opportunity to re-evaluate your current coverage and potentially, save money.
Although changes will take place between now and 2014, some will immediately affect your family:
Pre-Existing Health Conditions
Reforms will prohibit insurance companies from excluding children with pre-existing health conditions. This means your insurance company can’t drop you if a child gets sick or deny your family if one of your dependents is deemed “high-risk.”