No pre-existing condition exclusion for children under 19 years. In the past, health insurers could deny children health coverage, either by quoting the rules limiting the benefits of pre-existing conditions coverage or refusing to provide the child at all. The new law health reform requires insurers to cover children of insured patients. "Health plans prior" set up before March 23, 2010 may continue its current policy until 2014, when discrimination based on Medicare existing conditions will be banned.
No arbitrary rescissions of health insurance
Demolition has been widely criticized for the practice of insurance companies were able to cancel the insurance when a patient gets sick. Demolition is based on an inadvertent omission of the original registration documents for the patient or employer. health care reform to abolish the practice, with the exception of intentional misrepresentation or fraud of the patient. All insurance companies have this new rule.
Do not go through a health insurance life insurance
Over 100 million Americans have plans that impose caps coverage. Caps predispose patients to the risk of exhausting the coverage in the midst of a costly procedure, when they need it most. For example, leukemia patients who need aggressive chemotherapy, bone marrow transplant and hospital visits, may exhaust the typical lifetime limit of one million U.S. dollars dollars less than a year. A new provision to prohibit the cross-plant life issued or renewed after September 23.
Patient choice and access to care
It also goes into effect September 23, 2010, provisions to improve patient access to medical care, including preventive services.
Protection of the selection of health care provider
Patients will be able to select and maintain a primary care physician network provider's insurance company. In addition to promoting long-term relationship between patient and physician, this provision encourages patients to receive preventive care, reducing hospitalization rates and costs. The standard also prohibits insurers from requiring a remedy for gynecological and obstetric care
Better emergency services
will no longer be able to refuse coverage or asking patients to pay co-insurance, with emergency-services network. This protects patients who are ill on the road or near a hospital network.
preventive services covered.
As of September 23, all new or revised health insurance plans must cover preventive services such as immunizations, mammograms, colonoscopies and nutrition counseling in obese patients. These services must be administered to a patient who is not applicable deductible, co-pay or co-insurance.
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