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  • w.heinlein w.heinlein Apr 4, 2012 5:13 PM Flag

    What You Lose If Obamacare Goes Away

    All of the following--

    Increased coverage of preventive services:
    Consumers pay nothing for services like routine screenings, vaccines, counseling, flu shots and well-baby and well-child visits from birth to age 21.

    Restrictions on lifetime and annual limits:
    The Affordable Care Act prohibits insurers from placing lifetime limits on most benefits that consumers receive and sets a minimum for annual dollar limits. By 2014 annual dollar limits are slated to be phased out entirely.

    Coverage for people with pre-existing conditions:
    Under the new law, insurance companies cannot deny coverage or limit benefits to children under age 19 because of a pre-existing condition or disability. Starting in 2014, people of all ages with pre-existing conditions will be protected.

    No health plan barriers for ob-gyn services:
    Health plans cannot require women to get a referral from a primary care doctor before seeking ob-gyn services.

    Access to out-of-network emergency room services:
    The Affordable Care Act prohibits a health plan from charging higher co-payments for emergency room visits in hospitals outside of the plan's network.

    Right to appeal health insurance plan decisions:
    Obama's health care law gives consumers the right to appeal decisions made by their health insurance providers.

    Consumer Assistance Program:
    The Affordable Care Act improves the services that some states provide to help people with insurance problems.

    More value for the insurance dollar:
    A provision of the law called the 80/20 rule requires insurance companies to spend at least 80 percent of their premium dollars on medical care.

    No insurance cancellations for honest mistakes:
    Insurance companies are not allowed to rescind coverage when patients make honest mistakes on their insurance applications.

    Expanded Medicare coverage:
    The law gives elderly adults who face the Medicare coverage gap a 50 percent discount on prescription drugs covered by Medicare Part D. Seniors will receive additional prescription drug savings until the coverage gap is closed in 2020.

    Expanded coverage for young adults on their parents’ plans:
    The law requires insurance plans that offer coverage of dependents to allow children to stay on their parents' plans until age 26.

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