8 Beneficial Laws for Employed Personals

Author: John Garner
1. The Consolidated Omnibus Budget Reconciliation Act
COBRA is a law that constitutes provisions to certain former employees, spouses, retirees and dependent children the right to buy temporary continuation of group health plan coverage at group rates under certain specific instances.
2. The Health Insurance Portability and Accountability Act
HIPAA provide protection to millions of employed Americans and their families, who have existing medical conditions, prohibits discrimination in health care coverage, and assures issuance of individual policies to certain qualified individuals.
3. The Employee Retirement Income Security Act
This is a law that offers protection to all employees enrolled in plans such as health, retirement, and other benefit plans sponsored by private-sector employers. It provides right to information and a grievance and appeals process for participants to gain benefits from their plans.
4. The Women's Health and Cancer Rights Act
The Women's Health and Cancer Rights Act deliver protection to patients suffering from breast cancer and who opts for breast reconstruction as a result of mastectomy.
5. The Newborns' and Mothers' Health Protection Act
To add extra joy after the arrival of your bundle of joy, the Newborns' and Mothers' Health Protection Act has rules on minimum coverage for hospital lengths of stay following the birth of a child.
6. The Genetic Information Nondiscrimination Act
This is one act that forbids discrimination in group health plan premiums on the basis of genetic information. It also prohibits group health plans from demanding genetic information or genetic tests.
7. The Mental Health Parity and Addiction Equity Act and the Mental Health Parity Act
These are the laws that prohibit annual or lifetime limits on mental health/substance use disorder benefits that are lesser than annual or lifetime dollar limits on surgical/ medical benefits. This Act requires parity in treatment limitations and financial requirements for mental health/substance use benefits with those for surgical/medical benefits.
8. The Children's Health Insurance Program Reauthorization Act
This is savior Act that allows exceptional enrollment in a group health plan in cases where in an employee or dependents lose coverage under Medicaid or CHIP or are entitled to premium assistance under those programs.

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