Patient Rights

Patients have both rights and responsibilities regarding their health and the health care services they receive. On March 26, 1997, President Bill Clinton appointed an Advisory Commission on Consumer Protection and Quality in Health Care Industry. The Commission issued its final report, Quality First: Better Health Care for All Americans, in March 1998. As part of its work, the Commission issued a Consumer Bill of Rights and Responsibilities. This document was intended to serve as a blueprint for how systems and procedures protect consumers and ensure improved quality of care. This Consumer Bill of Rights and Responsibilities expressed three goals:

• To strengthen consumer confidence by assuring that the health care system is fair and responsive to consumers' needs, provides consumers with credible and effective mechanisms to address their concerns, and encourages the consumer to take an active role in improving and assuring their health.
• To reaffirm the importance of a strong relationship between patients and their healthcare professionals.
• To reaffirm the critical role consumers play in safeguarding their health by establishing rights and responsibilities for all participants in improving their health.

Patients have the right to care, treatment, and services that safeguard their dignity and respect their cultural, psychosocial, and spiritual values. These values often affect the patient's treatment needs and preferences. By understanding and respecting patients and their values, providers can help meet patients' needs for treatment and services and protect their rights. Many health plans, including all the plans sponsored by the Federal government, have adopted these general principles. The Consumer Bill of Rights and Responsibilities also lists specific rights and responsibilities that Federal health plans and others have adopted. Under the Conditions of Participation, the centers for Medicaid and Medicare Services (CMS) requires participating hospitals to protect and promote patients' rights, meaning that patients must be informed of their rights before accepting or refusing treatment. Sometimes, a patient is not able to communicate directly. In this case, patient rights should be discussed with the patient's legal representative. Patients must be able to understand information about their rights. Some patients need special help to understand. For example, patients who do not speak English have the right to a medical translator or translated materials. They have this right by law. Patient rights fall into seven general areas:

1. Information disclosures
2. Participation in treatment decisions
3. Respect, safety, and nondiscrimination
4. Confidentiality of health information
5. Grievances, complaints, and appeals
6. Access to emergency service
7. Choice of providers and plans

The premise of informed consent is that patients have a moral, legal and ethical right to understand and agree with all aspects of their care, and that includes all potential consequences of accepting or refusing care. Patients must have sufficient information to make decisions related to their healthcare that aligns with their values and preferences. The principle underlining informed consent is that a person has the right to decide what is done to their body. Risks associated with a procedure must be laid out so that they are understandable to the patient and the benefits and positive outcomes the patient can anticipate after undergoing the procedure. The four principles related to informed consent are defined as (Wagner, 2020):

1. The individual must have the capacity to make the decision.
2. The healthcare provider must provide adequate information on the benefits and risks of a given procedure, test, or treatment, along with the likelihood that the given benefits or risk will occur.
3. The individual must understand the information provided.
4. The individual's consent must be voluntary, with no coercion or duress applied.

Patients in health care facilities have the right to accurate and easily understandable information about their health plan, health care professionals, and health care facilities. If they speak another language, have physical or mental disabilities, appropriate information must be provided to make informed health care decisions. Patients have the right to know about:

1. The facility itself – this information can cover a wide range like how to file a complaint
   1. The facility's position on withholding and withdrawing life-sustaining care and treatment
   2. Experience with specific procedures and services
   3. Accreditation status
   4. Quality and consumer satisfaction ratings – this information is being made available through the internet
2. Their health care team – who is responsible for their care – names and professional status
   1. Education and board certification status
   2. Years of practice
   3. Experience
   4. Quality and consumer satisfaction ratings
3. Their rights and responsibilities as patients- Remember they must understand the information they are given about their rights

Regulatory agencies require proof that facilities provide this to patients by both direct observation and facility policies. Each facility has its methods for making sure patients know and understand their rights. Most facilities display patient rights at intake points in the facility. Many facilities also provide patients with a written form of patient rights at intake during inpatient handbooks. Many facilities also require that the patient, or their legally responsible guardian, sign a document stating that they were provided with patient rights. Rights and responsibilities may also be posted in waiting areas for patients, families, and visitors to review; however, a written list of rights may not be enough. The facility must make sure that all patients understand their rights well enough to exercise them. This is true of all information. All information must be presented so that the patient can understand it.

Facilities must recognize that although a patient may speak English fluently as a second language, it may not be their preferred language for communicating and understanding health care information. Patients for whom English is not their first language need to be asked what language they want to use when discussing their healthcare, and their choice adhered to and documented. When the patient does not speak English, it is advisable to use a professional interpreter, rather than a family member who may speak English, to translate. A qualified medical interpreter knows medical terminology, ethics, and maintaining patient confidentiality.

Medical interpreters have completed extensive training programs, and currently, many professional interpreters hold master's degrees. If possible, the best scenario is to match the cultural and ethnic characteristics of the professional interpreter with that of the patient as closely as possible. In many cultures, patients will find it difficult and embarrassing to discuss intimate details of healthcare with those of the opposite sex. Clinicians need to consider this when utilizing professional interpreters. In 2015, The American Community Survey of the U.S. Census Bureau reported that over 350 languages are spoken or signed in homes in this country. This includes over 150 Native American languages. This data emphasizes the challenges for healthcare and clinicians when communicating with patients (Allen et al., 2020). Family members may feel unduly pressured if asked to interpret and may also have valid worries about their ability to do this but are often hesitant to voice their concerns. The clinician should be especially aware of this with patients from different cultures where intimate healthcare issues may not be discussed openly and with adult children of the opposite sex. This means that patients may need special help if they do not speak English, cannot hear well, or have other mental or physical barriers to understanding. Examples of special help include:

• Translators
• Sign-language interpreters
• Social workers or case managers
• Braille materials
• Magnifying glass or large print document

Patients have the right to participate in decisions about their care and set the course of their treatment, meaning that patients must be given accurate information. Patients have the right to know their diagnosis, prognosis, and treatment options. Healthcare professionals must discuss all treatment options with their patients, which includes the option of no treatment. Further, they need to know the risks, benefits, and potential medical consequences of each treatment option.

Discussing clinical information with a patient is part of informed consent. Informed consent is an ongoing process of communication between a healthcare provider and his or her patient. It allows the patient to make intelligent decisions about a proposed course of treatment. Information is helpful to a patient only if he or she can understand it. When discussing diagnosis and treatment options with the patient, avoid using medical jargon and terminology; seek the services of a translator or interpreter if necessary; and assist the patient in obtaining a second opinion if requested.

Health literacy has become a major focus of healthcare in recent times, and it plays a crucial part in obtaining informed consent. Health literacy has evolved from focusing solely on what the patient understands to emphasize the clinician's responsibility to impart knowledge easily understood. The use of plain language has become a pivotal part of all healthcare communication. Plain language is not about 'dumbing down' healthcare information but using words that are part of everyday speech. If medical terminology must be used, it is adequately defined and explained. Research indicates that most adults in this country have an intermediate level of health literacy. Still, over one-third of the population has either basic or below a basic level of health literacy. Healthcare services and treatment interventions remain complicated and difficult to understand for most people. Clinicians should keep in mind that in stressful situations, everyone, regardless of their level of education, can have a difficult time comprehending what they are reading or hearing. Even healthcare providers who suddenly find themselves as the patient and need to make an informed decision may have difficulty comprehending the situation before them. The informed consent process should include a complete discussion of the following:

• The nature of the proposed treatment
• Potential benefits and risks
• Recuperation time
• Likelihood of success or possible outcomes
• Possible side effects of medication and treatment
• Costs including what insurance may and may not cover
• Complete information about diagnosis and treatment
• Reasonable alternatives to the proposed treatment (plus risks, benefits, and side effects of these alternatives)
• Any limitations on confidentiality

Obtaining informed consent is about more than obtaining a signature on a piece of paper. Ideally, it should be an unhurried collaborative discussion that considers the patient's beliefs and culture. The clinician must verify that the patient understands the information provided. This should not be done by simply asking if the patient understands since most patients will automatically answer yes. The best option is 'teach-back,' where the clinician asks the patient to repeat the information given and their own words (Allen et al., 2020). The clinician needs to be careful how they phrase this request so that the patient is not 'put on the spot' and made to feel that they are being quizzed. The clinician begins by saying, "I want to make sure that I have given you all the information needed for you to make a decision. Can you repeat back to me what you have heard?"

After receiving all pertinent information, a patient may give informed consent for treatment or refuse treatment. The clinician needs to anticipate questions that the patient may be hesitant to ask and provide the information. A good way to approach this is by saying, "Many patients who have to decide on treatment like yours often wonder about . . ." After all the information has been explained to the patient and their questions are addressed, the patient should be provided sufficient time to think about their decision and not asked to sign the consent form immediately. Except in an emergency, a patient must give his or her informed consent before the start of any procedure or treatment. Informed consent or the reason for a patient's inability to provide informed consent must be documented in the medical record. Patients also have the right to refuse treatment. Even after giving informed consent, patients may change their minds at any time. If the patient decides to withdraw consent, the treatment must be stopped. When a patient refuses treatment, he or she has the right to know what will happen. The patient should receive information on the possible medical and other consequences of refusing treatment. Parents, guardians, family members, or other individuals designated as the patient's representative must be provided the same information if the patient cannot make his/her own decisions.

The Patient Self Determination Act became effective in December 1991. This law requires that all hospitals receiving Medicare or Medicaid funding provide information to all adult patients upon admission about advanced directives and ask whether the patient has an advanced directive. Following Federal and State regulations, patients should receive information regarding advanced directives if they do not present with this information at admission. Advanced directives can be used from admission to admission; however, they should be reviewed with the patient at each admission to verify accuracy. If the patient is incompetent at the time of admission, the information should be provided to the surrogate or proxy. If the patient is temporarily incapacitated, the information should be provided when decisional capacity returns. A patient's right to make decisions about his/her care is true even after the patient can no longer communicate those decisions directly. Advance directives can protect people in extreme conditions. These people may be unable to communicate due to a condition such as irreversible brain damage or brain disease that affects the ability to think and communicate.

Advanced directives can limit life-prolonging measures when there is little or no chance of recovery. For example, advanced directives may enable patients to make their feelings known about cardiopulmonary resuscitation (CPR), intravenous (IV) therapy, feeding tubes, ventilators, and dialysis. Advanced directives can address pain relief – either requesting or refusing it.

An advanced directive is a legal document that allows a patient to participate in future healthcare decisions. There are two forms of advanced directives:

• Living Will – a patient documents his/her wishes for future treatment in the event of a terminal illness. A living will affect when a patient develops a terminal condition that makes it impossible to communicate health care decisions directly. They are called living wills because they take effect while a patient is still alive.
• Durable Power of Attorney for Health Care – in this document, the patient appoints a representative to make health care decisions. A power of attorney goes into effect when the patient loses the ability to communicate his/her own decisions. The patient names a person called a proxy to make decisions.

An additional tool for participating in future health care decisions is the do-not-resuscitate (DNR) order. A DNR order states that a patient does not want CPR if he/she goes into cardiac or respiratory arrest. A patient may request a DNR order; however, only a physician can approve and give the order.

Healthcare personnel play a critical role in protecting patient rights related to advance directives. Healthcare personnel must empower patients to complete advanced directives. They must offer information about advanced directives to all adult patients in a language/manner they can understand, and they must help patients who wish to complete an advance directive. Healthcare personnel must respect the decisions in a patient's advanced directive. Patients frequently have concerns about advance directives. The information presented to them must lay out what advance directives are, how they will benefit the patient, and not relinquish control over their healthcare as soon as they sign an advance directive. All patients need to understand that advance directives give them autonomy over their healthcare and their end-of-life choices. A copy of the directive goes in the patient's chart. If a copy is not available, the important points of the directive are documented in the medical record. Healthcare providers must follow the directive after it has taken effect.

An advanced directive takes effect only after the patient is no longer able to communicate directly. Until that time, the patient's direct communication is the only thing that matters. A competent patient may change his/her advanced directive at any time. If a patient wishes to change a directive, the healthcare provider must make it possible. Patient care must NEVER be based on whether the patient has an advanced directive and the decisions in the directive. All patients need to be treated fairly and equally, regardless of advanced directives.

When a patient loses the ability to communicate directly, often he/she does not have an advanced directive. In this situation, treatment wishes should still be respected as much as possible. Florida State Status 765.401 provides for the appointment of health care representatives. To make decisions about the patient's treatment, the representative should talk to the physician in charge of the patient's care and consider what the patient would want. The hierarchy of health care decision-makers for a patient without an advance directive depends upon state law.

Power of attorney means one person authorizes another person to act on one's behalf. Some important points regarding a power of attorney include signatures of the principal party, two adult witnesses, and the notary public. It may be used immediately. A power of attorney does not need to be filed in court except for real estate transactions. A power of attorney is in effect until revoked by the principal, participant's death, or revoked by the court. A power of attorney may have more than one agent – all agents must concur when making decisions. There are several types of power of attorney.

• General: an agent acts on behalf of the person in a variety of situations
• Limited: limited to a specific transaction
• Health care: to make decisions when incapacitated
• Springing: in effect at some future time – illness, disability of the principal
• Durable: all of the above can be made "durable" by adding text – enables the agent to act when the principal is incompetent and physically unable to make decisions

A health care surrogate is any competent adult expressly designated in writing by a patient to make health care decisions on his or her behalf when incapacitated. This surrogate has no authority to act until the primary care physician determines that the principal cannot make informed health care decisions. A proxy is a competent adult who has not been expressly designated to make health care decisions for an incapacitated individual but who is authorized to make health care decisions. A health care proxy is appointed by the hospital when there is no power of attorney or surrogate, and health care decisions need to be made. Potential representatives for an incapacitated patient may include:

• Guardian
• Spouse
• Adult child
• Parent
• Domestic partner
• Brother or sister
• Close friend

Patients have the right to refuse treatment. They also have the right to be part of research studies or educational activities. Health and Human Services (HHS) regulation 45 CFR part 46 requires that investigators obtain 'legally effective informed consent from participants who want to participate in human research studies. This informed consent process has three factors (HHS, n.d.):

1. Disclosure of all required information to potential research candidates to make an informed decision.
2. Ensuring that a candidate fully and accurately understands the information provided.
3. Safeguarding the completely voluntary nature of the decision.

If a patient refuses experimental treatment, this should not affect his/her regular care. If the patient wants to be part of a research study, he/she must sign a written consent that explains that the proposed treatment is experimental. Consent form for participation in experimental treatment must include the nature of the experimental treatment, procedures involved, risks and benefits, other available options, and confirmation of interrupting patient care.

Patients have the right to choose about organ donation. They must give informed consent if they want to donate their organs. If the patient is unable to give informed consent, the patient's representative may make this decision.

Telehealth is becoming an important part of healthcare delivery. It is vital that healthcare providers and clinicians fully explain telehealth services to patients. Requirements for informed consent for telehealth services vary by state, and clinicians need to know what legal requirements are applicable in their locale. The expectations, benefits, and possible risks of telehealth services need to be clearly explained to patients. One concern that many patients have regarding telehealth is the security of their healthcare information. Providers must clearly explain the security measures they have to protect healthcare information when telehealth is used. A written consent form may need to be signed by the patient; however, oral patient consent recorded in the patient's medical record is sufficient in some areas (Telehealth, 2021).

Patients have the right to considerate, respectful, nondiscriminatory, and compassionate care from doctors, health plan representatives, and other health care providers. Respect means valuing the patients' needs, desires, feelings, and ideas. Treat patients with common courtesy. For example, knock and wait before entering a patient's room, respond politely to patients; listen to patients, and remain compassionate. All patients have the right to fair and equal health care services regardless of:

• Race
• Ethnicity
• National origin
• Religion
• Political affiliation
• Level of education
• Place of residence or business
• Age
• Gender
• Martial status
• Personal appearance
• Mental or physical disability
• Sexual orientation
• Genetic information
• Source of payment

Patients have the right to safety and security. They have the right to choose health care providers that are sufficient to provide him/her with access to appropriate, high-quality care. All caregivers must do their part to ensure a safe environment of care for patients. All employees are responsible for knowing facility policies regarding environmental safety, infection control, and security. JCAHO has been concerned about patient safety over the past few years to issue its Patient Safety Goals.

All patients should be screened for abuse. Facilities must have procedures for identifying, reporting, and treating victims of abuse. They have the right to expect access to protective services in the case of abuse. Sometimes patients need to be kept safe from themselves, and restraints are needed. The decision to use restraints is a medical decision. Restraints must never be used for discipline or convenience. When a patient must be restrained, it is important to protect the patient's rights, safety, comfort, and dignity.

Patients have the right to reasonable visual and auditory privacy and confidentiality. A private place should be available for case discussion, consultation, examination, and treatment. The patient has the right to review and receive copies of their medical record and request that the physician amends the record if it is not accurate, relevant, or complete. The medical records are shared only with clinicians directly involved in the patient's case, regulatory personnel considering a facility's quality of care, and other people who have a legal or regulatory right to see the records. Protected health care information should not be shared with anyone else. Only authorized employees should have access to medical record storage facilities. The patient should receive an accounting of disclosures of personal health information. Patients may not be allowed to see certain information only if that information could harm the patient or someone else or be inspected by an oversight committee.

HIPAA – Health Insurance Portability and Accountability Act – privacy rule is a federal regulation. The rule sets standards for patient privacy and confidentiality. It also sets severe civil and criminal penalties for people who violate a patient's privacy. To comply with HIPAA, organizations should ensure protected patient information must only be shared with people directly involved in the patient’s care. The patient's case must only be discussed with people who are directly involved in the case. Particular attention should be taken when talking in public areas such as elevators, restrooms, hallways, cafeterias, etc. No aspect of patient care should ever be discussed in public areas. Patient charts should not be left out where they might be seen or accessed by unauthorized persons. Since many facilities are now using electronic patient records, clinicians need to be aware of facility policies for 'locking' their computers whenever they are not in use. It is essential to observe surroundings when discussing patient care.

EHR is growing in popularity. Data from 2017 shows that 86% of physician's offices used EHR. Overall, EHR usage has more than doubled since 2008. The main advantage of EHR systems is that it allows the exchange of healthcare information across the continuum of care in a most coordinated system possible. However, clinicians need to be aware that EHR can be subjected to several security threats, including phishing and malware attacks, inadequate encryption, and employee negligence. All employees using EHR should have sufficient training, including credentials and password protection, and the facility protocol for accessing her (Electronic Health Record Systems, 2020).

The patient has the right to a fair, fast, and objective review of any complaint that they have against the health plan, doctors, hospitals, or other healthcare personnel, including complaints about wait times, operating hours, the conduct of healthcare personnel, and the adequacy of health care facilities. Many facilities have a Patient Care Representative to deal specifically with complaints or grievances. Many patient complaints can be addressed quickly. For example, if a patient complains about getting the wrong items on her lunch tray, make sure she gets the correct items next time. The sooner the issue is resolved at the facility level, the better the patient compliance and satisfaction with health care provided. The patient may need to have access to the ethics committee for issues regarding his/her care. They should expect that issues related to end-of-life care be treated with respect and sensitivity. The patient should be able to examine and receive an explanation of his/her bill regardless of the source of payment.

More than 50% of patients sue because of miscommunications, anger, and lack of information between physicians, hospital staff, and patients/families. Grievance management is everyone's responsibility. Handling grievances effectively from the start benefits everyone involved, and it helps keep small grievances from becoming big ones and reduces the risk of liability. When complaints cannot be resolved quickly and easily, patients have the right to file a grievance. A grievance is a formal written or verbal complaint. If a patient wants to file a grievance, the health care provider must:

• Explain the grievance process at the facility, including the name of the staff person the patient should contact.
• Explain that grievances may be filed with state agencies, even if the patient has already used the facility's internal grievance process.
• Give the patient the phone number and address for filing a grievance with the state.

Health care facilities must review, investigate, and resolve all grievances within a reasonable period. If the grievance has to do with the patient's safety, it should be reviewed immediately. Examples include grievances about abuse or neglect. The grievance process is complete once the facility issues the patient a written report. This report should explain how the facility investigated the grievance and the facility's decision about the grievance.

Patients and insurance companies often disagree about the need for emergency care. For example, an individual has severe chest pains and goes to the Emergency Department because they think they have a heart attack. Tests show that the problem is heartburn, and the managed care plan refuses to cover the cost of the ER service. They argue that they do not have to pay for emergency services when an event was not life-threatening. In the past, this type of conflict has led healthcare facilities to reject patients, refuse to treat patients, and transfer patients to other hospitals. Now, insurance companies must use a standard definition for the need for ER services. This definition uses the idea of a prudent layperson. Under this definition, a person needs ER services if he or she has signs or symptoms that a reasonable non-medical person would consider an emergency.

Congress passed the prudent layperson definition of emergency for Medicare and Medicaid in 1997. The prudent layperson definition appears in the Consumer Bill of Rights and Responsibilities:

Consumers have the right to access emergency health care services when and where the need arises. Health plans should provide payment when a consumer presents to an emergency department with acute symptoms of sufficient severity …that a "prudent layperson" could reasonably expect the absence of medical attention to result in placing the consumer's health in serious jeopardy, serious impairment to bodily functions or serious dysfunction of any bodily organ or part.

Suppose the patient has severe pain, an injury, or a sudden illness that convinces him/her that their health is in serious jeopardy. In that case, they have the right to receive screening and stabilization emergency services whenever and wherever needed without prior authorization or financial penalty. The patient has the right to request transfer to another institution, providing it is medically permissible and that the other facility will accept the transfer.

Another tool for protecting the right to emergency medical treatment is the Emergency Medical Treatment and Active Labor Act (EMTALA), which helps prevent patient dumping. Therefore, it is often called the anti-dumping law. EMTALA passed as part of the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). Consider this scenario: A patient goes to the emergency room and asks for medical service. Under EMTALA, the hospital must screen this patient. Screening must be complete enough to find out whether the patient has an emergency medical condition. The medical screening exam must be performed by a physician or qualified individual designated by the facility to provide a medical screening exam. It must be clearly stated that a triage exam does not constitute a medical screening exam. If the patient does not have an emergency condition, the hospital has no further obligation under EMTALA. If the patient does have an emergency condition, the hospital must provide stabilizing treatment. This treatment must be provided without considering the patient's ability to pay. Before the patient is stabilized, the hospital may transfer the patient ONLY if another facility is better equipped to treat the patient. The hospital may not transfer an unstable patient for economic reasons.

Patients have the right to question their bills. They have the right to request and receive a detailed explanation of every item on a bill.

As well as patient rights, the patient should be informed of his responsibilities. Patient responsibilities typically include:

• Providing accurate and complete information about present complaints, past illnesses, hospitalizations, medications, and other matters relating to his/her health
• Reporting unexpected changes in his/her condition to the responsible health care provider
• Reporting whether he/she clearly understands and comprehends the plan of action for his/her needs and what is expected of the patient
• Following treatment plans recommended by the practitioner primarily responsible for his/her care. This plan may include following instructions of nurses or other health care personnel who implement the physician's orders and enforces facility rules and regulations
• Keeping appointments and notifying the health care provider or facility when he/she is unable to do so for any reason
• Actions if he/she refuses treatment or does not follow the physician's instructions
• Assuring that the financial obligations of health care are fulfilled as promptly as possible
• Being considerate of the rights of other patients and personnel and respectful of the property of others

Patients (and as applicable – parents, guardians, foster parents, or other legal representatives) have the right to:

• Have their developmental, cognitive, emotional, and social needs met while they are in the hospital in an environment that is supportive of infants, children, and adolescents –
  • Play, educational and social activities essential to all children and adolescents
  • Information about what to expect before, during, and following procedure/experience and support in coping
  • Participation of children/families in decisions affecting their medical treatment
  • Have parents recognized as partners in decision-making with medical professionals and in the care of their child as permitted

The family consists of those individuals responsible for the physical and emotional care of the child continuously regardless of whether they are related. Parents and families have the responsibility for:

1. Continuing their parenting role to the extent of their ability
2. Being available to participate in decision-making and providing staff with knowledge of parents/family whereabouts

Insurance companies often leave patients without coverage when they need it the most, causing them to put off needed care, compromise their health, and drive up the cost of care when they get it. Too often, insurance companies put insurance company bureaucrats between you and your doctor.

On June 22, 2010, President Obama announced new interim final regulations, the Patient's Bill of Rights, that include a set of protections that apply to health coverage starting on or after September 23, 2010, six months after the enactment of the Affordable Care Act.

The Affordable Care Act cracks down on some of the most egregious practices of the insurance industry while providing stability and the flexibility that families and businesses need to make the choices that work best for them.

The Departments of Health and Human Services, Labor, and Treasury collaborated on the Patient's Bill of Rights – which will create an important foundation of patients' rights in the private health insurance market that puts Americans in charge of their health.

The following health insurance Patient's Bill of Rights has embedded website shortcuts for more information (Healthcare.gov, 2012, pg.1).

• Provides Coverage to Americans with Pre-existing Conditions: You may be eligible for health coverage under the Pre-Existing Condition Insurance Plan.
• Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan's network.
• Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent's health plan.
• Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
• Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
• Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
• Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
• Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.
• Restricts Annual Dollar Limits on Coverage: Annual limits on your health benefits will be phased out by 2014.
• Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside your health plan's network.
• Since the Patient's Bill of Rights was enacted, the Affordable Care Act has provided additional rights and protections.
• The health care law:
  • Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
  • Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

In addition, the Affordable Care Act will achieve greater cost savings by (Telehealth, 2021):

• Reducing the "hidden tax" on insured Americans: By making sure insurance covers people who are most at risk, there will be less uncompensated care, and the amount of cost-shifting among those who have coverage today will be reduced by up to $1 billion in 2013. 10 years post implementation the ACA has successfully reduced the number of uninsured Americans to record low levels, however its impact on the cost and quality of healthcare remains difficult to determine due to the complexity of the American health care system (The Commonwealth Fund, 2020).
• Improving Americans' health: By ensuring that high-risk individuals have insurance, the rules will reduce premature deaths. Insured children are less likely to experience avoidable hospital stays than uninsured children and, when hospitalized, insured children are at less risk of dying.
• Protecting Americans' savings: High medical costs contributed to some degree to about half of the more than 500,000 personal bankruptcies in the U.S. in 2007. Insurance companies might assume individuals bear these costs once rescissions are banned, annual limits are restricted, lifetime limits are prohibited, and most children have access to health insurance without pre-existing condition exclusions.
• Enhancing workers' productivity: Ensuring that kids with health problems have coverage will reduce the number of days parents have to take off work to care for family members. Parents will also be freed from "job lock," which occurs when people are afraid to take a better job because they might lose coverage for themselves or their families.

In the 11 years since its inception, the Affordable Care has decreased the number of Americans without healthcare insurance by greater than 20 million. It has also provided important consumer protections to more than 100 million individuals and has led to an overall improvement of its healthcare. However, many people do not have healthcare coverage. The new administration in Washington DC has mandated several agencies to exam existing policies and regulations surrounding the Affordable Care Act as a step towards streamlining and simplifying obtaining healthcare coverage (Federal Register, 2021).

• Allen Martin P., Johnson Robert E., McClave Evelyn Z., et al., (2020) 'Language, Interpretation, and Translation: A Clarification and Reference Checklist in Service of health Literacy and Cultural Respect,' Visit Source.
• Electronic Health Record Systems(2020) HS.gov. Visit Source.
• Healthcare.gov.(2012) The Healthcare Law and you. Visit Source.
• Federal Register, (2021), The Daily Journal of the United States Government, 'Strengthening Medicaid and the Affordable Care Act'. Visit Source.
• HHS.gov (n.d.), Health Care. Informed Consent FAQs. Visit Source.
• Telehealth.HHS.Gov (2021) Obtaining Informed Consent. Visit Source.
• The Commonwealth Fund (2020) ‘The Affordable Care Act at 10 Years: What’s the Effect on Health Care Coverage and Access?’ Visit Source.
• Wagner Richard A., 'Informed Consent,' (2020) Emedicine Health. Visit Source.

Resources:

• Centers for Medicare and Medicaid Services. 11/01/19. Consumer Information and Insurance Oversight. Retrieved 05/14/21. Visit Source.
• Consumer Bill of Rights and Responsibilities; Conditions of Participation – Centers for Medicaid and Medicare Services. 1999. Visit Source.
• Federal Register /Vol. 75, No. 223 / Friday, November 19, 2010 /Rules and Regulations. 2010.  Retrieved 10/1/112. Visit Source.