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List Of Medical Conditions Now Covered Under Obamacare

Have you been previously denied for a pre-existing condition when applying for health insurance? Or, were you charged a higher premium (perhaps substantially higher) because of a current medical ailment or medication you took in the past? If you have, you understand the difficulty of finding and purchasing affordable healthcare in Ohio before the ACA legislation was passed.

The good news is that the practice of denying coverage, increasing prices or delaying benefits for specific conditions, ended several years ago. Effective with Open Enrollment, you are not required to answer medical questions, take a physical, or pay a higher cost for any medical treatment you ever received. However, “grandfathered” plans (typically issued in 2010 or earlier) are not required to pay for treatment of conditions that have been previously excluded.

Marketplace Ohio Health Plans Cover Medical Conditions

Ohio Exchange Open Enrollment Covers Pre-Existing Conditions

The only variables effecting the cost of your coverage are your zip code, age and smoking status. You also may qualify for a huge federal subsidy to pay your premium. The credit is based on your individual (or family) projected income for the current year. We can review the calculation with you and explain how affordable your prices are.

 

List Of Medical Conditions Now Covered By Ohio Health Insurance Plans:

Acromegaly

Adam’s Stroke’s Syndrome

Addison’s Disease

Adrenocortical Hypofunction And Insufficiency

Aids

Amyotrophic Lateral Sclerosos

Angina

Ankylosing Spondylitis

Aortic Stenosis

Arteriosclerosis

Athritis

Autism

Bipolar Disorder

Buerger’s Disease

Burkitt’s Lymphoma

Bursitis

Cancer

Cardiomyopathy

Cirrhosis

Congestive Heart Disease

Coronary Heart Disease

Crohn’s Disease

Depression

Diabetes

Down’s Syndrome

Endometriosis

Fibromyalgia

Gallstones

Hepatitis C

Herniated Discs

Irritable Bowel Syndrome (IBS)

Juvenile Rheumatoid Arthritis

Kidney Stones

Leukemia

Manic Depressive Psychosis

Marfan Syndrome

Marie-Strampell Disease

Mental Retardation

Mitral Srenosis

Multiple Sclerosis

Muscular Distrophy

Myasthenia Gravis

Myocardial Infarction

Pacemaker

Paranoid Personality

Paraplegia

Parkinson’s Disease

Porphyria

Pregnant (Currently)

Psoriasis

Psoriatic Arthritis

Quadripelgia

Rheumatoid Arthritis

Schizophrenia

Sjogren’s Syndrome

Stroke

Systemic Lupus Erythematosis

Tetralagoy Of Fallot

Tuberculosis

Urinary Tract Infection (UTI)

Wilson’s Disease

Yes, that is quite an extensive list. It’s important to understand that although these conditions will not cause your application for coverage to be rejected, you may still incur out-of-pocket expenses for the treatment and/or any medications that are prescribed. The amount of your portion of the cost will depend on the type of plan you have.

Platinum plansĀ  have the least out-of-pocket costs (about 10% of estimated expenses) while Bronze plans, although the cheapest option, have the highest out-of-pocket costs (about 40%). If your medical bills are extensive and you take multiple medications (and at least one is non-generic), a Platinum or Gold option may be your best option. If you qualify for a subsidy, a Silver-tier plan may substantially reduce your out-of-pocket expenses because of “cost-sharing.”

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