Healthcare is a privilege that everyone must acquire. It is provided by with physicians in hospitals and in any field of specialization, medical facilities, and promotional or rehabilitative health centers care service in a systematic way to individuals, families or communities. Hospitals are the main providers of healthcare. They are the sustaining house of good health from curing mildly ill to terminally ill. Sad part is, only half of the people who are in need of medical services are incapable of sustaining themselves a quality services due to lack of financial sources. There are organizations or corporations who provide a healthcare insurance to their workers. The government will also provide incentives or insurance regarding on that matter. When we talk about healthcare waiver, it is an agreement form that a worker or civilian can waived themselves from any medical liabilities and that their company or the government will be the one to pay all covered medical expenses.
In order to get a healthcare waiver, you should first undergo a certain processes. If you will meet in the credentials, you are qualified to get a healthcare waiver. Like for example in the process made for those who want to enter the military, particularly in the US military, same as coastguards. The process starts when you complete the medical pre – screening form at the recruiter’s office. The recruiter sends this up to MEPS when he/she asks for a medical examination appointment. Now, MEPS does not belong to any particular branch of service. It’s what’s known as a “Joint Command,” and operates independently from all the service branches (even though it’s administratively controlled by the Army….probably because the Army processes more new recruits each year than any other service branch).
The form is reviewed by a doctor at MEPS. If there are any potentially disqualifying medical conditions listed on the form, MEPS may contact the recruiter to ensure you bring a copy of your civilian medical records (concerning the condition) with you to the examination. Once your medical examination is complete, you are determined to be either “medical qualified for military service,” or “medically disqualified for military service,” according to the medical standards. If you are medically disqualified for military service, disqualification of application of healthcare waiver follows.
Not all application of healthcare waiver is the same. But without the presence of a healthcare waiver, you are solely relying on the doctor’s decision and you are not able to protect yourslf from any monetary damages.If you are in a business section, as an owner, you will be the one who will provide medical insurance in every employee applying for a healthcare waiver. Currently small business can provide health care to their employees through what is known as a “mini meds”. These are health care plans that have restricted annual limits on any account value of essential health benefits.
To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary healthcare waiver from the phase out of annual limits. There are some important facts to remember about availing a healthcare waiver:
• The waivers only apply to one provision of the law – the provisions phasing out annual limits. Insurance companies and employers that receive healthcare waivers must comply with all other parts of the Affordable Care Act.
• The waivers last one year. Insurance companies must reapply for the healthcare waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets.
• All employers and insurers that offer mini-med plans may apply for a healthcare waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers.