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Biden-Harris Administration Protects Consumers from Low-Quality Coverage by Limiting “Junk” Health Plans
Today, the Biden-Harris Administration is taking yet another action to lower health care costs and protect consumers from being scammed into purchasing lower quality insurance, or “junk insurance”. The Biden-Harris Administration is closing loopholes to prevent health insurance companies from misleading consumers into buying health plans that discriminate based on pre-existing conditions and that provide little or no coverage when consumers need it the most. Today’s action will protect families from receiving thousands of dollars in health care bills.  Specifically, the Departments of Health and Human Services, Labor, and the Treasury (collectively, the Departments) are releasing the Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage, or “Junk Insurance”, Final Rules. Short-term, limited-duration insurance (STLDI) is a type of health insurance that is typically designed to fill temporary gaps in coverage when an individual is transitioning from one source of coverage to another.  Click here to learn more.

Does Medicare pay for wheelchairs and scooters? That depends on whether you meet all of its requirements.

You might think that if you’re 65 or older and need a wheelchair or electric scooter to get around, Medicare would automatically cover it. But as with so many areas of Medicare, things aren’t quite that simple.  Whether Medicare will pay for the cost of a mobility device like a manual wheelchair, power wheelchair, or electric scooter depends on whether you meet all its requirements.  To clear up any confusion about terminology: a manual wheelchair is one you propel or your caregiver does; a power wheelchair (also called an electric wheelchair or power chair) is for people lacking the motor function or cardiovascular strength to operate a manual wheelchair, and an electric or power scooter helps users who can’t operate a manual wheelchair and can’t use canes or walkers. Even if you qualify for Medicare reimbursement for a mobility device, you’ll be on the hook for 20% of the approved amount—your coinsurance—after paying your Part B deductible, which is $240 in 2024.  Click here to learn more.