Yesterday, the Democratic Caucus of the House listed the provisions of the health reform bill that will take effect “as soon as health care passes,”
The legislation would:
- Prohibit pre-existing condition exclusions for children in all new plans
- Provide immediate access to insurance for uninsured Americans who are uninsured because of a pre-existing condition through a temporary high-risk pool;
- Prohibit dropping people from coverage when they get sick in all individual plans
- Lower seniors prescription drug prices by beginning to close the donut hole
- Offer tax credits to small businesses to purchase coverage
- Eliminate lifetime limits and restrictive annual limits on benefits in all plans
- Require plans to cover an enrollee’s dependent children until age
- Require new plans to cover preventive services and immunization without cost-sharing
- Ensure consumers have access to an effective internal and external appeals process to appeal new insurance plan decisions
- Require premium rebates to enrollees from insurers with high administrative expenditures and require public disclosure of the percent of premiums applied to overhead costs.“By enacting these provisions right away, and others over time” the Caucus declares, “we will be able to lower costs for everyone and give all Americans and small businesses more control over their health care choice.”
Maggie Mahar is an award winning journalist and author. A frequent contributor to THCB, her work has appeared in the New York Times, Barron’s and Institutional Investor. She is the author of “Money-Driven Medicine: The Real Reason Why Healthcare Costs So Much,” an examination of the economic forces driving the health care system. A fellow at the Century Foundation, Maggie is also the author the increasingly influential HealthBeat blog, one of our favorite health care reads, where this piece first appeared.


