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Essay / Research Paper Abstract
An 8 page paper that begins with a definition of pre-existing condition. The essay reports statistical data regarding the prevalence of pre-existing conditions. The writer discuses the effect of the new law, how it will affect quality, arguments for and against the mandate. Bibliography lists 6 sources.
Page Count:
8 pages (~225 words per page)
File: ME12_PG691412.doc
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Unformatted sample text from the term paper:
disease, diabetes, high blood pressure, asthma, cancer, arthritis or a plethora of other conditions (Sorian, 2011). These conditions are often expensive to control and treat, which is why so many
health insurance companies have denied insurance to applicants who already have health problems. However, insurance companies may decide that a health problem from years ago is a pre-existing condition (HealthCare.gov,
2011). Research revealed that 36 percent of people who tried to buy health insurance independently from an insurance company were denied, they were charged a much higher premium, or
they had a health problem that was specifically excluded from their insurance coverage (HealthCare.gov, 2011). The Affordable Care Act forbids insurance companies from denying coverage for persons with pre-existing conditions.
The law takes effect in 2014 for adults but began covering children right away. However, individuals may obtain insurance under the Pre-Existing condition insurance plan today (Sorian, 2011). This is
acting as a bridge until 2014. The law also forbids insurance companies to charge higher premiums for patients with pre-existing condition nor can they set lifetime limits on the amount
of care a patient receives (HealthCare.gov, 2011). Individuals who have health insurance through their employers generally have coverage for pre-existing conditions. There are about 82 million people in this group.
Their conditions range in severity from life-threatening like cancer to chronic conditions like heart disease (HealthCare.gov, 2011). The proportion of persons with pre-existing conditions is different for each age group
but there are as many as 129 million Americans under the age of 65 who presently have pre-existing conditions (HealthCare.gov, 2011). Thats about half the population in that age group.
Of those reporting good health, between 15 and 30 percent will develop a pre-existing condition within several years (HealthCare.gov, 2011). Insurance companies know that about one-half of men and
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