You Want Change? Major Health Care Reforms Begin Today
September 23, 2010
(ChattahBox US News)—- On the six-month anniversary of the Affordable Care Act, major reforms protecting the rights of consumers in the health insurance market are kicking in today. The provisions enacted in the health care reform bill, called the Patient’s Bill of Rights, will protect children having pre-existing conditions from being denied health insurance, will allow parents to keep their young adult children on their policies, until they are 26 and does away with the onerous practice of rescission, whereby insurers would cancel a policy when a consumer becomes ill. The White House launched an interactive website, called Health Reform in Action that offers detailed information on the new benefits, as well as a section called “Myths & Facts” that debunks commonly held misinformation, pushed by Republicans, such as “Health reform will lead to a government takeover of health care,” and “The new law extends coverage to illegal immigrants,” both of which are not true. There are also no death panels by the way.
The following reforms take effect on Thursday, or starting in January when health insurance polices renew for some consumers:
The Patient’s Bill of Rights:
* Bans discrimination against kids with pre-existing conditions.
* Allows young adults to remain on their parents’ plan until their 26th birthday.
* Prohibits insurance companies from cutting off your coverage when you’re sick if you made a mistake on your application.
* Prohibits insurance companies from putting a lifetime limit on the amount of coverage you may receive, and restricts the use of annual limits until they are banned completely in 2014.
* And if you join a new plan:
o You have the right to choose your own doctor in your insurer network.
o Your insurer is banned from charging more for emergency services obtained outside of their network.
o You will be guaranteed the right to appeal insurance company decisions to an independent third party.
o You will receive recommended preventive care with no out-of-pocket cost. Services like mammograms, colonoscopies, immunizations, pre-natal and new baby care will be covered, and insurance companies will be prohibited from charging deductibles, co-payments or co-insurance.
These are real reforms that will make the lives of every American a little easier. Now that’s change you can believe in.
Republicans have vowed to repeal the Affordable Care Act and to defund it, to ensure that every single reform under The Patient’s Bill of Rights would become unenforceable.