Online Insurance Guide

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 or suggestions.
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!

Appeal Your Denial

A denied claim is not a dead-end. You have the right to voice your opinion. 

Learn more about denials and appeals.

Specialty Pharmacy Feedback

Improve specialty pharmacy service by submitting your praise, concerns and suggestions.

Submit your feedback


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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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.