DETROIT (WWJ) – The big changes under the Affordable Care Act mostly affect the Americans who don’t already have insurance, but even if you’re not enrolling in new coverage under Obamacare, the health law has some benefits that will kick in for 2014 that you may not know about.
If you’re a woman, there’s a lot in this part of the law for you. Birth control — of all types — is now available to women without a co-pay.
That means no out-of-pocket costs for the pill, an IUD or any form of birth control you choose.
However, this part of the law doesn’t apply to health plans sponsored by some religious employers.
If you want to have a baby, more maternity care will be covered by the new law and, when your baby is born, your insurance company will cover the cost of a breast pump.
The preventative care aspect of the law also provides women with HPV vaccines, mammograms, STD screening, and domestic violence counseling.
For more on women’s coverage benefits, visit this link.
There’s also been a lot of talk about higher premiums for people who already have health insurance, either privately or through work, but you may not have heard about many of the so-called essential benefits that your insurance provider – by law – has to cover, starting in 2014.
All the services that qualify as preventive care will now be available to subscribers at no out-of-pocket cost.
That means no co-pay on a more than a dozen tests.
Some of the biggest ones — obesity screening and counseling for all adults, depression screening for all adults and immunization vaccines for all adults.
For the rest of the list, visit this link.