Starting today!

[2 Humped Camel]

Starting today, insurers will be required to:

 

Keep you covered when you get sick: Simple mistakes or typos will no longer be grounds for insurance companies to cancel your insurance.

 

Cover kids with pre-existing conditions: Your kids can no longer be denied health coverage just because they have a pre-existing condition like hay fever, asthma, or previous sports injuries. This protection extends to all plans, except "grandfathered" plans in the individual market.

 

Allow young adults to stay on their parents' plan up to age 26: Even if their first few jobs don't provide health benefits, your kids can still remain covered by your insurance.

 

Remove lifetime limits: You will no longer need to worry about your health insurer limiting the amount of coverage available through their plan if you face an expensive medical condition. This will help Americans who develop chronic conditions from taking drastic measures to avoid medical bankruptcy.

 

Phase out annual limits: Many plans include annual dollar limits on how much medical coverage can be obtained per year. On all non-"grandfathered" plans in the individual market, these limits will be phased out over the next three years.

 

For any insurance plan that goes into effect after September 23, 2010, your insurance company must:

 

Pay for preventive care like mammograms and immunizations: Addressing problems before they start can help keep you healthier, and new insurance plans will now cover many preventative tests and immunizations without any copayment.

 

Give you a better appeals process for insurance claims: Now you'll have a guaranteed and fair path to help you receive the benefits you paid for if insurance companies deny your claim.

 

Let you choose your own doctor: Health reform makes it clear that you can choose any available participating primary care provider as your provider, and any available participating pediatrician to be your child's primary care provider.

 

Provide easier access to OB-GYN services: Women will no longer be required to have a referral from a primary care provider before seeking coverage for obstetrical or gynecological (OB-GYN) care from a participating OB-GYN specialist.

 

Allow you to use the nearest emergency room without penalty: If an emergency arises while you're away, you will no longer have to drive home to your in-network provider to receive in-network benefits.

 

I think these things are great and I think any politician that attempts to repeal this reform will do so at their own peril.

[UKMustangFan]

:ohbrother: Nothing like giving young people and others the extra incentive to be lazy....

[RomanEmpire]

Wouldn't it be prudent to mention the pitfalls and the new taxes this legislation is going to create? I think it's important to mention the good and the bad when it comes to this bill. Your post only paints part of the picture and is not a true depiction of the entire body of work.

[2 Humped Camel]

:ohbrother: Nothing like giving young people and others the extra incentive to be lazy....

 

Or as I like to look at it an opportunity not to get sick and die or go bankrupt before your life even starts.

[2 Humped Camel]

Wouldn't it be prudent to mention the pitfalls and the new taxes this legislation is going to create? I think it's important to mention the good and the bad when it comes to this bill. Your post only paints part of the picture and is not a true depiction of the entire body of work.

 

So we are in agreement that the changes effective today that are listed are postives?

[True blue (and gold)]

Wouldn't it be prudent to mention the pitfalls and the new taxes this legislation is going to create? I think it's important to mention the good and the bad when it comes to this bill. Your post only paints part of the picture and is not a true depiction of the entire body of work.

 

:lol: Can you direct me to where this is standard policy in this forum? Not that I disagree with you, just that most everything posted here is one sided.

[RomanEmpire]

:lol: Can you direct me to where this is standard policy in this forum? Not that I disagree with you, just that most everything posted here is one sided.

 

Never said anything about standard policy, just said it would be prudent. Agree with you about the lack of two sides. Very rare to find here. I am just a big fan of objectivity.

[Clyde]

Never said anything about standard policy, just said it would be prudent. Agree with you about the lack of two sides. Very rare to find here. I am just a big fan of objectivity.

 

The challenge is finding accurate "cons" to the stated "pros." Lots of misinformation out there. I kept hearing how this act would greatly reduce Medicare payments but just today I read that those cuts were spelled out in 1997.

[True blue (and gold)]

Never said anything about standard policy, just said it would be prudent. Agree with you about the lack of two sides. Very rare to find here. I am just a big fan of objectivity.

 

I wish that it did operate that way.

[Dlbdonn]

:ohbrother: Nothing like giving young people and others the extra incentive to be lazy....

Please explain your reasoning behind this blanket statement ? I for one don't see anywhere in the first post an incentive to be lazy .

[UKMustangFan]

Please explain your reasoning behind this blanket statement ? I for one don't see anywhere in the first post an incentive to be lazy .

 

Those that are recent college grads have 2+ extra years to stay on their parents insurance. Sorry, but to me that just creates an incentive to live at home, and not actively seek full-time employment.

[All Tell]

All I know is that in preparation for the new requirements of Obamacare (on my single coverage plan) in order for me to keep the same level of coverage that I had with the same out-of-pocket premium my co-pay for ER visits went up 15 dollars, my co-pay for a specialist went up 5 dollars and I'm now responsible out of pocket for 10% of the remaining charges whereas before insurance picked up 100% of the remaining charges. I'm now 80/20 for inpatient hospital visits and before that had been 90/10. I did have the option of keeping everything the same as it was before but I would have had to pay an additional 10 dollars per pay check. I've got a really strong feeling that some people (like my brother) who supported Obamacare because everyone should be entitled to insurance are going to be really surprised when they see what happens to their premiums when it's time to renew.

[Dlbdonn]

Those that are recent college grads have 2+ extra years to stay on their parents insurance. Sorry, but to me that just creates an incentive to live at home, and not actively seek full-time employment.

Speaking from experience I would guess .

[acemona]

All I know is that in preparation for the new requirements of Obamacare (on my single coverage plan) in order for me to keep the same level of coverage that I had with the same out-of-pocket premium my co-pay for ER visits went up 15 dollars, my co-pay for a specialist went up 5 dollars and I'm now responsible out of pocket for 10% of the remaining charges whereas before insurance picked up 100% of the remaining charges. I'm now 80/20 for inpatient hospital visits and before that had been 90/10. I did have the option of keeping everything the same as it was before but I would have had to pay an additional 10 dollars per pay check. I've got a really strong feeling that some people (like my brother) who supported Obamacare because everyone should be entitled to insurance are going to be really surprised when they see what happens to their premiums when it's time to renew.

 

Based on historical precedence, however I would venture to say that those issues would have occurred anyway. Insurance has been going up every year and to suggest it wouldn't have this year, well . . .

[UKMustangFan]

Speaking from experience I would guess .

 

I've had a full-time job since before I graduated, so no, not speaking from experience. Nice try though. I just know how lazy the college age population is.