- Removing lifetime dollar limits on essential benefits
- Giving people a right to appeal to an external party if denied coverage for a treatment
- Preventing insurers from dropping coverage of people when they get sick
- Limiting the use of annual spending limits of health plans
- Allowing consumers to use ob-gyns in their networks without needing a referral
- Prohibiting extra charges for using emergency care that is out of network
- Guaranteeing full coverage of many preventive services, such as mammograms and colonoscopies, without a co-pay, co-insurance, or deductible
For many people with job-based coverage, the insurance changes will arrive Jan. 1, 2011, at the start of the new benefits year.
At the same time, the resistance is notching up. This week, as the consumer protections kick in, media reports have revealed that some major insurers, at least in part, will sidestep one new provision: denying coverage for children under age 19 who have pre-existing medical conditions.
Why anyone in government (you know who you are) would want to prevent this or repeal this is beyond me.
What do you think? As always, I value your opinion.