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What the health reform bill will do

Health Care 2010 ObamaCare

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#1 Spectacles

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Posted 23 March 2010 - 01:42 PM

It seems like a good idea to devote a thread solely to discussing the provisions of the bill so that we can help one another figure out what's in it for us.

Here's a start:

http://www.huffingto...t_n_509613.html

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Are you uninsured due to a preexisting condition? For now, insurers can continue to discriminate against people with preexisting conditions, but within 90 days the administration must create an "interim high-risk pool" for the uninsurable. The Department of Health and Human Services can run the $5 billion program itself or farm it out to states or nonprofits. To be eligible for the program, you have to be a U.S. citizen and uninsured for six months due to a preexisting condition.

Are your kids uninsured due to a preexisting condition? Within six months the law will prohibit insurance companies from discriminating against children with preexisting conditions.

Do you have older kids who will soon "age-out" of your family plan? Young adults will be allowed to stay on their parents' plans until they turn 26, instead of being dropped at 19 or after college.

Are you a small-business owner? The bill offers tax credits -- up to 35 percent the cost of premiums -- to small businesses to make it easier to cover employees this year.

Are you paying for drugs in the "doughnut hole"? The law should begin to close the hole, which refers to a costly gap in Medicare Part D prescription drug coverage, this year by offering a $250 rebate.
Story continues below

Have you been dropped by your insurer because you got sick?
Six months from now, insurers will no longer be allowed to drop policyholders when they get sick.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#2 Spectacles

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Posted 23 March 2010 - 01:47 PM

More:

http://www.speaker.gov/blog/?p=2199

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FREE PREVENTIVE CARE UNDER MEDICARE

    Eliminates co-payments for preventive services and exempts preventive services from deductibles under the Medicare program. Effective beginning January 1, 2011.

HELP FOR EARLY RETIREES

    Creates a temporary re-insurance program (until the Exchanges are available) to help offset the costs of expensive health claims for employers that provide health benefits for retirees age 55-64. Effective 90 days after enactment

ENDS RESCISSIONS


    Bans insurance companies from dropping people from coverage when they get sick. Effective 6 months after enactment.

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BANS LIFETIME LIMITS ON COVERAGE

    Prohibits health insurance companies from placing lifetime caps on coverage. Effective 6 months after enactment.

BANS RESTRICTIVE ANNUAL LIMITS ON COVERAGE

    Tightly restricts new plans’ use of annual limits to ensure access to needed care. These tight restrictions will be defined by HHS. Effective 6 months after enactment. (Beginning in 2014, the use of any annual limits would be prohibited for all plans.)

FREE PREVENTIVE CARE UNDER NEW PRIVATE PLANS

    Requires new private plans to cover preventive services with no co-payments and with preventive services being exempt from deductibles. Effective 6 months after enactment. (Beginning in 2018, this requirement applies to all plans.)

NEW, INDEPENDENT APPEALS PROCESS

    Ensures consumers in new plans have access to an effective internal and external appeals process to appeal decisions by their health insurance plan. Effective 6 months after enactment.

ENSURING VALUE FOR PREMIUM PAYMENTS

    Requires plans in the individual and small group market to spend 80 percent of premium dollars on medical services, and plans in the large group market to spend 85 percent. Insurers that do not meet these thresholds must provide rebates to policyholders. Effective on January 1, 2011.

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COMMUNITY HEALTH CENTERS

    Increases funding for Community Health Centers to allow for nearly a doubling of the number of patients seen by the centers over the next 5 years. Effective beginning in fiscal year 2010.

INCREASING NUMBER OF PRIMARY CARE DOCTORS

    Provides new investment in training programs to increase the number of primary care doctors, nurses, and public health professionals. Effective beginning in fiscal year 2010.

PROHIBITING DISCRIMINATION BASED ON SALARY

    Prohibits new group health plans from establishing any eligibility rules for health care coverage that have the effect of discriminating in favor of higher wage employees. Effective 6 months after enactment.

HEALTH INSURANCE CONSUMER INFORMATION

    Provides aid to states in establishing offices of health insurance consumer assistance in order to help individuals with the filing of complaints and appeals. Effective beginning in FY 2010.

CREATES NEW, VOLUNTARY, PUBLIC LONG-TERM CARE INSURANCE PROGRAM

    Creates a long-term care insurance program to be financed by voluntary payroll deductions to provide benefits to adults who become functionally disabled. Effective on January 1, 2011.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#3 Dev F

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Posted 23 March 2010 - 01:50 PM

The Washington Post has a helpful interactive feature: "What Does the Health Care Bill Mean to Me?"

Edited by Dev F, 23 March 2010 - 01:53 PM.


#4 Spectacles

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Posted 23 March 2010 - 01:53 PM

^ Cool. Thanks, Dev.

And more info here, at cbsnews.com:

http://www.cbsnews.c...846-503544.html

Edited by Spectacles, 23 March 2010 - 01:53 PM.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#5 Spectacles

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Posted 23 March 2010 - 02:01 PM

I'm particularly interested in learning more about the plan for EARLY RETIREES, since I'd like to become one, and the new federal LONGTERM CARE INSURANCE. If anyone comes across any specifics regarding these, I'd much appreciate knowing about them.
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#6 Robert Hewitt Wolfe

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Posted 23 March 2010 - 05:08 PM

The Washington Post widget is pretty nice.  What the Health Bill means for me:

No changes in benefits, no additional taxes.

"There are monsters, there are angels...
There's a peacefulness and a rage inside us all."
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Voice of the Beehive


#7 BklnScott

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Posted 23 March 2010 - 05:45 PM

And for me, as well.

ETA: even if I made 3.5 times what I make -- aka 250K -- the result is:

Quote

Your Medicare payroll taxes will increase by 0.9% (from 1.45% to 2.35%) and you will have to pay a 3.8% tax on investment income.

Edited by BklnScott, 23 March 2010 - 05:48 PM.

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There isn't enough mommy in the world to further a cause like yours!

#8 Vapor Trails

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Posted 23 March 2010 - 08:28 PM

Just wanted to say...

Thanks for the thread Specs, and it's good to see you. :cool: I've always enjoyed your thoughtful posts. :cool:
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