Q: Im confused about the Affordable Care Act.
Will I lose my health insurance from work? What are the benefits?
CHARLOTTE W., INDIANAPOLIS
A: We won't know all the benefits until 2014 if then when the law goes into full effect. But we'll try to answer your questions.
Your employer has always been and is still able to change coverage at will; but if you are covered now, you most likely will be insured in 2014. If your work-provided insurance ends, youll be required to buy individual insurance, but you wont have to pay if you have religious objections or cannot afford it. In order to control the cost of premiums, by 2014, every state will have an insurance exchange so consumers can shop for their best plan and rates. Here are some other benefits:
Insurance cant be canceled once youre sick. And kids with pre-existing conditions cant be denied coverage (as of 2014 that covers adults, too).
Kids can stay on their folks plan until theyre 26.
If your insurance provider spends less than 80 percent to 85 percent of your premium dollars on medical care, youll get a rebate from the insurance company.
Theres no cost for preventive services, like cholesterol tests and mammograms.
While we wait to see how it shakes out, one thing we know is prevention reduces health-care costs.
Stand up. Turn off the tube and get moving; aim for at least 30 minutes or more of daily activity. Lighten up. Fill your diet with 100 percent whole grains, fruits, veggies, fish and lean protein. Look up. Practice optimism, altruism and volunteerism. Hows that for a policy that costs you next to nothing and pays mega-benefits?
The You Docs Mehmet Oz, host of The Dr. Oz Show and Mike Roizen of Cleveland Clinic are authors of YOU: Losing Weight. A King Features syndicate.