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At this point, I assume you know that a new health care system is being implemented in this country. If you don’t know this then…..well, there is no sense in reading this cause, honey, you are on another planet.
We’ve heard all the arguing and seen some of the commercials and watched the elections and all. We’ve heard how the new Speaker of the House, John Boehner, has vowed to repeal the new law. Well, that’s a total crock because while the House of Representatives will vote to repeal it, it’s unlikely that the Senate will do the same and, if by some chance they do repeal it, well, Obama-Man is sitting there with his ole veto pen. End of story.
We’re gonna be living with this new law for some time. That being the case, I thought I would regularly send you a short explanation of what all of this means to you to cut through all of the stuff that you see and don’t have time to sort out.
A number of the provisions of the law will not take effect for quite a while, but some things are already in effect. So, right now, here’s the deal:
Any health plan that you get through your job or any new individual plan has to let any kids you have under 19 to have coverage. In other words, they cannot be denied coverage if they are already sick or have some medical condition.
If your health insurance allows you to have coverage for your dependents, then they can be covered until they are 26 years old. After that, you kick them out of the house and they’re on their own.
Insurance companies cannot drop you from their plans when you get sick just because you made a mistake on your coverage application.
Many insurance companies say that during your lifetime you can only be covered up to a certain point. Today, there are no limits.
If your employer offers a health plan, you generally can’t be turned away or charged a higher premium because of your health status or disability. This protection is called “nondiscrimination.”
If family members are eligible but are not currently enrolled under your health plan at work, you may be able to add them during a “special enrollment” opportunity outside of the usual “open enrollment” period.
Not too shabby, huh?
There’s so much more to come! Stay tuned.
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