Some provisions in healthcare reform law take effect on Sept 23
Data provided by the United States Census Bureau show that 50.7 million American did not have health insurance in 2009, an increase of 4.4 million when compared to 2008, according to the White House.
Nancy Ann Deparle, director of the White House Office of Health Reform, posted an article last Thursday on the White House Blog saying that the Affordable Care Act, signed by President Barack Obama six months ago, will help make affordable, high quality healthcare accessible to millions of Americans.
Deparle said the provisions in the healthcare reform law will expand coverage to 32 million Americans. Additionally, millions of Americans will be able to purchase better coverage in the new competitive private health insurance exchanges.
A few provisions in the health reform law that will take effect next week include the following, cited from Deparle's article:
*A requirement that insurance companies allow young adults to stay on their parents’ plan until they turn 26.
*Prohibition against imposing lifetime limits on the dollar amount health plans will spend on benefits, such as cancer treatment, and restricting annual limits on benefits until 2014, when they too will be banned.
*Banning insurance companies from canceling a client’s coverage, a practice known as “rescission,” if said client gets sick or makes a technical mistake on his or her application.
*Prohibition of discriminating against Children with pre-existing conditions
And if you purchase or join a new plan after September 23:
Insurance companies must cover recommended preventive services, including mammograms, colonoscopies, immunizations, pre-natal and new baby care without charging deductibles, co-payments or co-insurance.
Insurance companies will be prohibited from denying coverage for needed care without clients having the chance to appeal to an independent third party.
Insured parties will be guaranteed their choice of a primary care provider within the plan’s network of doctors, including OB-GYNs and pediatricians, without having to obtain a referral, as well as out-of-network emergency care.
Deparle itemized a few benefits provided by the healthcare reform law as follows:
1, The census Bureau non-insurance data show that 50.7 million American did not have health insurance in 2009. The law will reduce the number of uninsured by 32 million.
2, The Census non-insurance data show that 6.6 million fewer people had coverage through their employers in 2009; there were 27.8 million working adults uninsured. The law sets up competitive private health insurance exchanges, which are estimated to cover 24 million American when fully implemented.
3. Finally, census data show that 8.9 million young adults ages 18 to 24 were uninsured in 2009. The law allows young adults to stay on their parents plan until age 26. Up to 2.4 million young adults are estimated to gain coverage through their parents' plan. But this provision does not apply to young adults who have their own health insurance plan.
By Jimmy Downs and editing by Rachel Stockton