The Affordable Care Act was suppose to end discrimination of patients with pre-existing conditions, but Insurance Plans may have found a loophole. Insurers’ formularies usually consisted of three tiers: 1) Generics, 2) Preferred branded, and 3) Non-preferred branded, but now, a number of insurers are splitting their generics into two tiers as well, preferred and non-preferred. Instead of encouraging patients to chose a less expensive drug to treat their condition, these plans are letting those with pre existing conditions know, they may want to go elsewhere for coverage – exactly the type of discrimination the Affordable Care Act was suppose to end. Read more here. (Source: Lindsey Cook, U.S. News & World Report, 9/22/14).
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