During a triumphant ceremony for congressional Democrats, President Barack Obama signed the historic health care reform legislation bill into law. Chip Reid reports.
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Healthcare reform will affect all employers in the United States. You need to know what is changing and when. Here is a look at the top 10 immediate impacts of the law.
The first big impact is for children. They will no longer be denied insurance for pre-existing conditions. So little Susie has diabetes and previously was denied coverage because of the disease. Her parents plan will now be required to cover her regardless of the pre-existing condition.
Second – many Americans who are [more]currently uninsured because of a pre-existing condition will get immediate access to insurance through a temporary high-risk pool. For example, John has been uninsured for nearly a year and is having a hard time finding coverage because he has asthma, a pre-existing condition. Through the new high-risk pool, John will be able to apply for coverage regardless of his medical history.
Third – if someone has a group or individual plan and gets sick, their plan will not be allowed to drop their coverage. So if Bob has health insurance and is diagnosed with lung cancer, his insurance policy will continue to cover him regardless of the condition.
The reform is designed to save individuals and businesses money.
So fourth Seniors will see lower prescription drug prices through a $250 rebate for Medicare beneficiaries who reach the Part D coverage gap during 2010. For example, Sally is 75 and on Medicare. She has four prescriptions that she fills every month. When Sally reaches her prescription drug coverage limit, she will be entirely responsible for the cost of the drugs. The $250 rebate will help Sally make up for the price jump.
Fifth – Small businesses will get tax credits when they purchase coverage. So, the owners of a corner donut store want to offer health insurance for their employees but cannot afford to do it on their own. Under this provision, if they meet certain requirements, the owners could apply for a tax credit that would reimburse them for part of the cost of coverage.
Sixth- To help explain all this, the Secretary of Health and Human Services is creating a Web site that residents and small businesses in any state can use to get information about health coverage options in their area. This will include things like side-by-side comparisons of coverage options, information about eligibility for Medicaid, availability of temporary high-risk pools, and more.
Seven there will be a new temporary reinsurance program for employers. This program will provide health insurance coverage to retirees over 55 who are not yet eligible for Medicare. The program will reimburse employers for a percentage of the cost of their employees coverage. So lets say Carol retired from her company, but she is only 58 and not yet eligible for Medicare. Her company could continue to provide her health benefits, and the government would reimburse the company for a large portion of the costs.
8 – The reform takes away lifetime limits and restricts annual limits on benefits in all plans. This means that insurers will no longer be able to put a cap on the dollar value of an individuals benefits. The insurer will be required to pay the costs regardless of how much it has already spent on that policy.
Number nine has an immediate impact on dependent eligibility. Under the plan, a subscribers dependent children will now be covered until age 26. That means that instead of being terminated from his parents plan when he graduates college, Tommy can continue to be covered until he turns 26.
Our 10th impact has to do with wellness and prevention – To encourage healthy living and keep costs down, insurance providers must now offer coverage for preventive services and immunizations. That means you will no longer have a co-pay for services like cervical and breast cancer screenings, tests for HIV and other sexually transmitted infections, counseling for tobacco use, and more.
Individuals and employers are going to have to understand these changeswe hope this information has helped you.
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Will the health care bill lead to spiraling costs? Consumer Reports puts that question to President Obama’s Secretary of Health & Human Services, Kathleen Sebelius.
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Senate Democrats passed a landmark health care bill Thursday that could define President Barack Obama’s legacy and usher in near-universal medical coverage for the first time in the country’s history. (Dec. 24)
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MEET NAVY MEDICAL PERSONNEL
-Free Food
-Contest & Prizes (over $100 worth)
-First 20 get Chipotle Gift Cards
4/16 REMSEN 101 6PM
BE THERE!!!
As a part of our Advertising & Promotions class at the Johns Hopkins University, we have interviewed a U.S. Navy Health Professions Scholarship Program (HPSP) student to help promote U.S. Navy medical opportunities on campus.
U.S. Navy HPSP (Medical Scholarship!)
The U.S. Navy physicians…
-Can receive 100% medical school tuition coverage to a school of their choice
-Can get up to a $20,000* sign-on bonus and stipend
-Are protected from malpractice insurance and lawsuits
-Have state-of-the-art technology and facilities
-Have the chance to travel
-Have wide areas and choices for specialization
-Do not go through bootcamp
-Are trained and prestigious Officers
*For those who sign before 9/30/08
VISIT OUR WEBSITE: www.ItsMoreThanAUniform.com
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CNN News, not Fox — You won’t believe this!! Has congress gone nuts?
And I thought Obama was done inflicting indignities to the American people! Please pass this to as many Americans as you can.
I KNEW this was going to happen. (That way Obama wasn’t lying when he said illegals would not be able to get medical coverage under his ObamaCare plan. His simple fix is to make them all legal first.)
EVERYONE–PLEASE TAKE TIME TO LISTEN TO THIS–IT TELLS ABOUT THE BILL GOING THRU CONGRESS RIGHT NOW REGARDING IMMIGRATION. EVEN CNN IS UPSET ABOUT THIS!!!!!!!!!!
Pass this on after you watch it. NOTICE THAT THIS IS FROM CNN, NOT FOX!!!
This from CNN news:
http://d.yimg.com/kq/groups/17260182/1610997888/name/ftc-vi26.wmv
This 2-minute video should be mandatory viewing for every US citizen. If you have never passed anything on before, pass this on! Every American should be outraged!
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NASHVILLE, Tenn.- Blending in is what Michelle Prichard tries to do, but her story makes her stand out. She’s a woman is grateful to be standing at all.
A local woman missing a leg, says insurance companies are missing the mark.
Like so many, Michelle Prichard hoped Nashville would bring her a music career, but what she hadn’t planned for was the high costs Tennessee would bring to an amputee.
“I’ve had it since I was 18 months old, so I really don’t know any different,” said Michelle Prichard, Amputee and Advocate.
Prichard is a consummate crusader and newlywed. She and her husband, Jared are embarking on a new journey, demonstrating to insurance providers why walking should not be labeled a luxury.
Prichard is metaphorically marching to Capitol Hill, to Tennessee’s House and Senate. She is spreading a message, so that medical coverage here might be broadened to include pricey, prosthetic equipment. First, however, she needs a new right leg, a $30,000 investment, that will not be covered by insurance.
“We live an average life, and it doesn’t matter what kind of life your live, if you’re rich or poor, it should be covered regardless,” said Michelle Prichard.
Michelle spear-headed her own event to raise money to raise awareness of what the Amputee Coalition of America calls a growing problem. Michelle said she refuses to let the problem define her.
“She doesn’t complain,” said Jared Prichard.
Advocates say change for Tennessee amputees is months, if not years, down the road.
Michelle says lawmakers are already working to change things in Tennessee. She is hoping for the law to pass in 2009.
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Zollie Goodman was promised that he and his family would have medical coverage when he joined the Navy. But when his pregnant wife started bleeding and thought she was miscarrying, the base hospital refused to send an ambulance, and refused to treat her when she arrived in a friend’s car because it was almost closing time. She lost the baby.
After Goodman was discharged, when he asked for treatment for PTSD, he was offered an appointment in three months. When he found out that the law guarantees no more than a 30-day wait, he was given one 30 days later, at which a doctor prescribed three drugs and said there was no way to tell which might work. His own research revealed that all three are associated with suicidal thoughts. Now, Goodman has a 15-minute therapy appointment every 30 days. When he arrives, he finds 15 Vietnam Vets waiting with him, all with the same 8 am appointment.
http://www.ivaw.org/
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While the US economy is showing signs that it will soon begin to grow again, Americans remain concerned over another issue that affects their wallets – healthcare.
President Barack Obama is proposing major reforms to help bring medical coverage to millions of the country’s uninsured, but the price tag for his plan has fuelled staunch opposition.
Al Jazeera’s Monica Villamizar travelled to one US community in Delray Beach, Florida, where the debate over healthcare is taking centre-stage.
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In response to the DEA raid of the THC co-op in Van Nuys, California. Aired Thursday, August 31st at 6.00pm
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