The chronically ill can now get health insurance coverage
Posted by Staff (09/25/2010 @ 7:58 pm)
Here’s a specific example of the new health care law changes things for the better:
Joe and Mary Thompson had agreed to adopt Emily before her birth in 1999, and it never occurred to them to back out when she was born with spina bifida. But that same year, their residential remodeling business in Overland Park, Kan., went under, prompting job changes that left the family searching for health coverage with a child who was uninsurable.
The insurers were willing to cover the Thompsons and their older daughter, but not Emily, who was later discovered to have mild autism as well, or her 13-year-old brother, who had a diagnosis of attention deficit disorder.
Starting Thursday, the insurers will not be able to do that, as the new health care law prohibits them from denying coverage to children under 19 because of pre-existing health conditions. In 2014, the change will extend to people of all ages.
This will change the lives of many people for the better.
Health reform law begins to take effect
Posted by Staff (09/25/2010 @ 7:53 pm)
Perhaps the new health care reform law will start to become more popular as the law starts to kick in. Many provisions went into effect this week.
On Thursday, the six-month anniversary of the signing of the Patient Protection and Affordable Care Act, a number of its most central consumer protections take effect, just in time for the midterm elections.
Starting now, insurance companies will no longer be permitted to exclude children because of pre-existing health conditions, which the White House said could enable 72,000 uninsured to gain coverage. Insurers also will be prohibited from imposing lifetime limits on benefits.
The law will now forbid insurers to drop sick and costly customers after discovering technical mistakes on applications. It requires that they offer coverage to children under 26 on their parents’ policies.
It establishes a menu of preventive procedures, like colonoscopies, mammograms and immunizations, that must be covered without co-payments. And it allows consumers who join a new plan to keep their own doctors and to appeal insurance company reimbursement decisions to a third party.
All of these provisions will be very popular, for good reason.
Posted in: Health Care Policy, Health Insurance, Resources
Tags: colonoscopy, drop sick and costly customers, health care debate, health care reform, immunization, insurance co-payments, insurance company reimbursement, insurance for children, lifetime limits on benefits, mammogram, Patient Protection and Affordable Care Act, pre-existing conditions, preventive procedures