Federal health care reform

Federal Health Care Reform September 28, 2010

What is Health Care Reform?
Healthcare reform is a general term used for discussing major health policy creation or changes--for the most part, governmental policy that affects healthcare delivery.

Patient’s Bill of Rights
Effective September 23, 2010
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 honest 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:
You have the right to choose your own doctor in your insurer network.
Your insurer is banned from charging more for emergency services obtained outside of their network.
You will be guaranteed the right to appeal insurance company decisions to an independent third party.

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.

NEW YORK STATE
The following policies are already effective in NYS:
In New York, insurers cannot refuse to sell anyone health insurance just because they have a pre-existing condition.
New York State has ensured that parents could buy insurance through their employer’s group policy for children up to age 29, which is generally less expensive than buying individual insurance.

NEW YORK STATE continued
In New York Insurers may not require you to receive prior authorization for emergency services. In addition, your co-payment or co-insurance amount cannot be higher if you utilize an out-of-network hospital or provider in an emergency.
New York currently requires coverage of well-child visits and immunizations for children through age 19 without cost-sharing.
New York law currently requires direct access for OB/GYN services.

NEW YORK STATE continued
New York already requires that if an insurer refuses to cover some medical treatment, it must provide a means for the consumer to appeal that decision both within the company and to an independent outside entity.
This past August, Governor Paterson signed ‘Ian’s Law which will grant additional protections to New Yorkers who suffer from costly medical conditions.

Federal health care reform

by Stephen Lee on Sep 29, 2010

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Federal health care reform — Presentation Transcript