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Health Care Reform Benefits Begin Today, September 23, 2010
Submitted by Paula Duffy on 2010-09-23

Health care reform, aimed at making health insurance more affordable and officially called the Affordable Care Act, was passed and signed earlier this year. Today, key provisions that benefit the majority of Americans take effect.

In the main, they are intended to keep health insurance companies accountable to their customers, and that means you and me. The key benefits are outlined below.
New law puts limitations on health insurance rescissions

1) Mistakes or missing information on insurance policy applications are no longer grounds for rescission of the policy. If you make an honest mistake or omit information, that isn't significant to your overall health history, companies are no longer allowed to cut off coverage. Some companies did more than that and asked for money back for benefits covered prior to discovery of the application mistake or omission.

2) Plans cannot limit or deny benefits or deny health insurance coverage for a child younger than age 19 simply because the child has a “pre-existing condition”—that is, a health problem that developed before the child applied to join the plan.

3) Most health plans that cover children must make coverage available to children up to age 26. That is the case whether or not your child is married, living with you, a full-time student, or financially dependent on you.

4) Dollar limits on insurance coverage, whether lifetime or yearly are either eliminated completely or are being phased out by the year 2014. Under the new law, lifetime limits on most benefits are prohibited in any health plan or insurance policy issued or renewed on or after September 23, 2010.

Other benefits that apply only to new policies include: a) paying for preventive care like vaccines and mammograms, b) streamlined appeal processes when and if a claim is denied by your carrier, c) the ability to choose your own primary care physician and d) a trip to the nearest emergency room is covered if you are away from home. You will no longer be required to return to your network's emergency facility to get coverage.

There are specific details that flesh out the broad summary provided here. You can go to healhcare.gov and read about those that should apply to you and your family.

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3) Most health plans that cover children must make coverage available to children up to age 26. That is the case whether or not your child is married, living with you, a full-time student, or financially dependent on you.

Quoted from senders

no wonder they stop trying to leave the nest....holy crap......no way!

BTW in nursing a new hire under 18years of age cannot operate mechanical lifts to move patients....yet they want to do that work....I dont F'en understand
it.......no wonder our youth is lazy......poor bastards......

Quoted from Tommy

I whole hearted agree, but why are the people who merely make out the paperwork to OK that work, making four times more than those who actually do the work?