The health insurance blogosphere has been buzzing since the health insurance reform bill narrowly passed in the House, and the InsWeb Insurance Blog was no exception. Earlier this week, I took a detailed look at the impact health insurance reform will have on the average American citizen.
The bloggers over at TheHealthCareBlog.com, however, took the idea a step further in an earlier blog post. They put together a list of the 10 most important benefits Americans will receive immediately after President Obama signs the bill into law.
I thought I’d pass the list along to the readers here. Here’s the full list from TheHealthCareBlog.com:
The legislation would:
1. Prohibit pre-existing condition exclusions for children in all new plans
2. Provide immediate access to insurance for uninsured Americans who are uninsured because of a pre-existing condition through a temporary high-risk pool
3. Prohibit dropping people from coverage when they get sick in all individual plans
4. Lower seniors prescription drug prices by beginning to close the donut hole
5. Offer tax credits to small businesses to purchase coverage
6. Eliminate lifetime limits and restrictive annual limits on benefits in all plans
7. Require plans to cover an enrollee’s dependent children until age 26
8. Require new plans to cover preventive services and immunization without cost-sharing
9. Ensure consumers have access to an effective internal and external appeals process to appeal new insurance plan decisions
10. Require premium rebates to enrollees from insurers with high administrative expenditures and require public disclosure of the percent of premiums applied to overhead costs.
The health care reform bill doesn’t include the public option that Democrats had originally hoped for, but it certainly signals a clear break with health care regulations of yesteryear.
To learn more about health insurance and compare free health insurance quotes, visit InsWeb.com.
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