Know Your Insurance Rights

You have rights, no matter what type of insurance you have. Knowing these rights will help you get the treatment you’re entitled to. Here are some of the basics:

Affordable Care Act (ACA) prohibits insurance companies from denying you coverage based on a pre-existing condition and creates Marketplaces as a way to get coverage.

COBRA allows you to keep your health insurance policy if you are losing or changing jobs.

ERISA requires insurances providers to disclose plan benefits and funding levels, as well as how you can manage and access your benefits.

FMLA provides employees with the right to take time off to address family medical issues.

GINA prohibits insurance providers and employers from discriminating on the basis of your genetic information.

HIPAA protects your personal information while also allowing healthcare administrators to conduct necessary business operations.

Contact us with insurance questions, success stories, suggestions, or requests to volunteer.


PHA is proud to be able to make educational materials and programs like these available for free to everyone because of the generous support from members of the community just like you. Donations are welcome!

NEED HELP WITH AN INSURANCE APPEAL?

Insurance Template Letter

We’ve got a letter for that! Browse our collection of successful insurance appeal letters or submit your own.

Learn more

Help Build Our Program

Contribute an Insurance Letter
Submit a successful insurance letter to our template letters collection and help other PHers overcome insurance challenges!

Browse our collection and learn more about submitting a letter.

Become an Insurance Volunteer

Carol Morrison, PHA insurance volunteer


Carol Morrison, PHA insurance volunteer, uses her 15-plus years of experience in the insurance industry to help develop resources for the PH community.

Get involved with PHA's insurance program

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The information provided on the PHA website is provided for general information only. It is not intended as legal, medical or other professional advice, and should not be relied upon as a substitute for consultations with qualified professionals who are familiar with your individual needs.

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NORD

The National Organization for Rare Disorders (NORD) awarded PHA the Abbey S. Meyers Leadership Award in 2012 for outstanding service to PHA members in advocacy, education and other key areas.