How Health Reform Helps Right Now
- College graduates and dependents will be able to stay on their parents' insurance until they are 26 years old. Since many young adults can't get their own insurance, this gives them cheaper rates and coverage as they try to enter the real world.
- No insurance plan can place lifetime limits on health coverage or catastrophic events. This is huge and should give us all comfort that we won't be dropped if we get sick.
- All insurance plans are mandated to have a medical loss ratio that is at least 80-85%. This means they have to spend more on our care and less on wall street profits.
- There is no co-pay or deductible for preventive care under new insurance plans. (Note: this only includes new plans, not those already in effect with the healthcare reform law passed)
- No coverage denial for children with pre-existing conditions.
- Patients will have two ways to appeal coverage decisions or claims: through their insurer or through an independent decision-maker. For me...I'll take the independent decision maker every time! (Note: this only includes new plans, not those already in effect when the healthcare reform law passed)
- Expansion of the primary care workforce. It creates additional primary care residency slots, establishes new nurse practitioner-led clinics, and encourages states to expand their primary care workforce to meet increased demand.
- Expansion of the National Health Service Corp, to increase the number of primary care providers who practice in rural America and under-served areas.
- Prevention and Public Health Fund to promote prevention and public health and address tobacco use, poor diet, lack of exercise and alcohol abuse.