Oregon Life and Health Insurance Practice Exam

Under the Patient Protection and Affordable Care Act (PPACA), also known as Obamacare, one of the key provisions is the elimination of pre-existing condition exclusions for health insurance plans. This means that insurers cannot deny coverage or impose waiting periods for individuals with pre-existing conditions, which includes conditions like diabetes.

Furthermore, the PPACA requires health insurance plans to cover a set of essential health benefits, which often includes outpatient care, inpatient care, and preventive services related to chronic conditions such as diabetes. Thus, coverage for treatment of diabetes is not only mandated by the law but also must be comprehensive without imposing annual dollar maximums for essential health benefits.

Therefore, because the PPACA ensures that essential health benefits must be covered, it is correct to state that the condition must be covered under the insured's plan. This reinforces the idea that individuals requiring ongoing treatment for chronic conditions have rights to receive the necessary care without facing unjust barriers imposed by their insurance providers.