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Susan43
08-26-2009, 09:27 PM
HEALTH INSURANCE CONSUMER PROTECTIONS

* No Discrimination for Pre-Existing Conditions
* Insurance companies will be prohibited from refusing you coverage because of your medical history.

* No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
* Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.

* No Cost-Sharing for Preventive Care
* Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.

* No Dropping of Coverage for Seriously Ill
* Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.

* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.

* No Annual or Lifetime Caps on Coverage
* Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.

* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.

* Guaranteed Insurance Renewal
* Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.

http://www.whitehouse.gov/health-insurance-consumer-protections/


This is what the WH is working for...looks pretty good to me. But then I don't care if the insurance companies don't make billions of dollars.
Susan43
08-26-2009, 09:30 PM
http://media.mcclatchydc.com/smedia/2009/08/24/11/547-090823pettCOLOR.slideshow_main.prod_affiliate.91.j pg
orangetaffy
08-26-2009, 09:33 PM
all of that could be accomplished via regulating the industry. No need for all the other crap being tossed about.

Im not sure I consider $10,000/year cap non Exorbitant, but I suppose it is to some.
orangetaffy
08-26-2009, 10:09 PM
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.


Will that 26 year old have to stay in my home to get that coverage? What if he/she marries? What if he/she moves out of town, out of state?

How many 26 year olds still live with mom and dad? How many 25 year old? 24 year olds? My boy is 21, owns his own house, lives in another town...yet he can stay on my insurance? Something's wrong with this picture, IMO.
Lady_Jean_La
08-26-2009, 10:24 PM
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.


Will that 26 year old have to stay in my home to get that coverage? What if he/she marries? What if he/she moves out of town, out of state?

How many 26 year olds still live with mom and dad? How many 25 year old? 24 year olds? My boy is 21, owns his own house, lives in another town...yet he can stay on my insurance? Something's wrong with this picture, IMO.

I think it is meant for college kids. imo
Lady_Jean_La
08-26-2009, 10:27 PM
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.

I wonder which gender cost more?
orangetaffy
08-26-2009, 10:32 PM
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.

I wonder which gender cost more?

females.

mammograms, paps, pregnancy etc

Under the new proposals, single males will have to carry gyn coverage too, as well as maternity coverage, mammogram coverage etc.
orangetaffy
08-26-2009, 10:35 PM
I think it is meant for college kids. imo

Most already cover college kids till the age of 23. I mean, how many years of college does the average person attend? Graduate at 18..go to school another 4 or 5 years...you would be 23.
Lady_Jean_La
08-26-2009, 10:45 PM
Most already cover college kids till the age of 23. I mean, how many years of college does the average person attend? Graduate at 18..go to school another 4 or 5 years...you would be 23.
I guess the new rules would extend the age a few years. That might cover some volunteering before going to college. imo
orangetaffy
08-26-2009, 10:48 PM
I guess the new rules would extend the age a few years. That might cover some volunteering before going to college. imo

ahhh that would make sense. Guess I assumed Americorp(or whatever it is) would be like the military, and provide benefits to its volunteers. I mean, it isnt a volunteer type thing in the true sense of the word, right? The volunteers will be paid?
Susan43
08-27-2009, 07:28 PM
ICAM!! Regulate more and see how that works out. As I've said before, let those who passed the first bill try it out before forcing us into it. If it works well after a year or so, let the Senators who want to force it on us be included. Get back to me after they find out just how well it works and how much it will cost the taxpayers.

Sure that's it. Just regulate them and let all the healthcare tax dollars go towards profits. Good thinking. It's worked so well already.
fiver
08-27-2009, 09:29 PM
Sure that's it. Just regulate them and let all the healthcare tax dollars go towards profits. Good thinking. It's worked so well already.
Since 85% are happy with their insurance and coverage, then yeah, it has worked out well.