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About the Law

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

As your trusted source for health insurance Keystone-Pfeiffer-Naginey Insurance offers a variety of coverage and additonal protection options for our clients in Northumberland, Selinsgrove, Lewisburg, Sunbury, Milton, PA.

View Key Features of the Affordable Care Act or read a year-by-year overview of features.

Coverage

• Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

• Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.

• Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

• Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

• Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.

• Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.

• Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

• Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.

• Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.

• Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.

For More Information

• Read the Full Law

• Find detailed technical and regulatory information on the Patient’s Bill of Rights.

Let Keystone-Pfeiffer-Naginey Insurance help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Health coverage.