The Affordable Care Act (ACA) establishes new requirements and resources for consumer assistance in order to help people navigate the changing health coverage system, find affordable coverage, determine eligibility for assistance, appeal denied claims and program eligibility determinations, resolve problems, and answer questions related to their health coverage.
Experience underscores need for consumer assistance. For years, millions of Americans have been estimated to be eligible for but not enrolled in public programs such as Medicaid and CHIP. Studies of health insurance literacy document that consumers do not understand their health insurance coverage – including benefit limits and exclusions, network designs, and cost sharing features – or, when they have coverage choices, how to evaluate options. And, when claims are denied or other coverage problems arise, many consumers find it difficult to resolve problems on their own and don’t know where to turn for help.
Read more: http://kaiserfamilyfoundation.files.wordpress.com/2013/04/8434.pdf
Read more: http://kaiserfamilyfoundation.files.wordpress.com/2013/04/8434.pdf