New health care provisions — a bench mark world wide!
It is now 6 month ago that President Barack Obama signed the historic health care reform bill into law. A keystone in history of the United States of America. Immediately the entire nation began seeing the benefits of this great concept. Millions of seniors have already received rebate checks to help close the gap in prescriptions drug coverage in Medicare D and hundred of thousand of small businesses nationwide are now eligible for tax credits to help to cover health casts.
Last month even more health care provisions went into effect to protect consumers, improve quality of care, lower costs and increase access to affordable care. For decades health insurance companies have used every trick in the book to deny care to those who need it. Being diagnosed with a serious condition is bad enough. It is even worth when you know the diagnose could prevent you from getting a new health care plan in the future because of a “pre-existing condition.”
That is over. Health insurance companies can no longer deny coverage to children under the age of 19 due to a pre-existing condition. This protects of one of our society’s most vulnerable groups of citizens.
The law is now insurance companies can no longer put a lifetime limit on insurance coverage. In the past if you had conditions that required frequent care and racket up costs, your insurance company could cut off coverage at an arbitrary dollar amount. Simple they said: “You have had enough!” That’s over. Insurance companies can not do this anymore. Insurance companies can no longer impose these lifetime limits and annual limits on insurance coverage will be regulated until 2014, when they, too will end.
Another benefit beginning on Sept. 23 is that health insurance companies can no longer drop insurance coverage without clear proof of intestinal fraud. In the past one small mistake was enough on a form, or claim an individual already knew about a diagnosis that would come in the future, and immoderately rescind, or cancel your health insurance. As a result, too often people who thought they were insured found out they weren’t, just when they needed help the most. This is now illegal.
Consumers now also have an easier way to appeal insurance companies decision. Health insurance coverage has now been extended to one of the most underinsured groups in the nation — young adults. Now most young adults are allowed to remain on their parents’ health insurance coverage until they turn 26. This provision provides much-needed relief to young adults, who are already struggling in tough economy by taking the weight of finding health care coverage off their backs.
Finally new insurance policies must provide free preventive care, such as mammograms, vaccines and other crucial routine exams. Increasing access to preventive care will allow more people to spot health issues earlier and increase the health of the nation as a whole. Thank you President Barack Obama! You did a good job. Most civilized states world wide have the same health care package but not the courage to fight the big insurance companies. You created a bench mark.