Health Insurance Consumer Protections

[Googly Moogly]

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.


Anybody have an idea how they are going to pull this off?

 

[0b1kanobee]

Well let's take the first one for instance, pre-existing conditions. I say define medical history. Are we talking about the last 24 hours of your medical history or 24 days or 24 months.....define medical history by time.

Another words, can you really get health insurance while you are having a heart attack on you way to the hospital?

Makes no sense to me.

 

[ticker_shuffle]

It's about increasing the pool of insured and making insurance companies actually pay they way insurance is supposed to. Taking 12,000 in premiums for a family and have that family use 1500 a year and ALSO excluding higher risk people is not the way insurance is supposed to work. You have to take the good with the bad. Less profits for insurance companies, more tax credits for consumers...we'll see.