Since ACM Care was founded in 1999, we’ve worked with a variety of clients. Some are residents of Missouri or Illinois living with disabilities or a chronic illness, while others are senior citizens. A common concern for them and for their family caregivers is how to finance the care and support they need to manage their activities of daily living. Before the Affordable Care Act (ACA) passed, children with disabilities often ran up against caps on their parents’ insurance policy coverage or were excluded completely once they reached the age of 18. Finding independent insurance for people with a pre-existing condition was difficult and very expensive.
The Affordable Care Act has helped make those practices illegal. It requires insurance companies to provide coverage for those with pre-existing conditions and to extend the time an adult child can remain on a parent’s health insurance to the age of 26. It also provides supportive services in community settings so those living with a disability stay independent and at home whenever possible.
Health Care Reform and People with Disabilities
Because the amount of misinformation and hype surrounding the ACA is plentiful, we thought it would help our readers and clients in Missouri and Illinois to have a few legitimate sites to turn to for credible information and answers. Here are a few of the resources you can use to learn more about ACA for those with a disability:
1. The American Association of People with Disabilities is a large non-profit dedicated to those living with a disability. Their overview of how health care reform affects people with disabilities covers everything from accessibility to equipment and home based services.
2. The Arc is an organization serving people with intellectual and developmental disabilities. On their site you will find an overview of how health care reform impacts coverage, accessibility, and long-term services and support.
3. The American Association on Health and Disability launched a tool that can be of help to family caregivers and those living with disabilities. The National Disability Navigator is a comprehensive site that covers topics ranging from autism to Medicaid eligibility.
We hope these resources give our clients and their family caregivers the information they need to better understand the ACA and their options for care and support services.