Questions: Which of the following improvements are now in effect for patients with private health insurance? - Insurance plan beneficiaries have expanded rights to appeal denials or cancellations. - Payers cannot impose lifetime financial limits on benefits. - Young adults up to age twenty-six can remain as dependents on their parents' private health insurance plan. - Young adults can stay on their parents' private health plan until age twenty-five.

The answer is:

• Insurance plan beneficiaries have expanded rights to appeal denials or cancellations.
• Payers cannot impose lifetime financial limits on benefits.
• Young adults up to age twenty-six can remain as dependents on their parents' private health insurance plan.

Explanation for each option:

1. Insurance plan beneficiaries have expanded rights to appeal denials or cancellations.

   • Correct. Under the Affordable Care Act (ACA), individuals with private health insurance have the right to appeal insurance company decisions, including denials of coverage and cancellations. This ensures that patients have a fair process to challenge decisions that affect their access to care.

2. Payers cannot impose lifetime financial limits on benefits.

   • Correct. The ACA prohibits insurance companies from placing lifetime limits on the dollar value of coverage. This means that patients with chronic or severe illnesses are not at risk of losing their insurance coverage once they reach a certain financial threshold.

3. Young adults up to age twenty-six can remain as dependents on their parents' private health insurance plan.

   • Correct. One of the provisions of the ACA allows young adults to stay on their parents' health insurance plan until they turn 26. This applies regardless of whether they are married, living with their parents, attending school, or financially independent.

4. Young adults can stay on their parents' private health plan until age twenty-five.

   • Incorrect. The correct age limit is 26, not 25. This provision was specifically designed to help young adults maintain health insurance coverage during a transitional period in their lives.

By understanding these provisions, individuals can better navigate their health insurance options and ensure they are receiving the benefits and protections afforded to them under current laws.