Judging by these improvements, Health Insurance in the US used to really suck, now it only sucks a little

Via Brad DeLong:

10 Major New Health Reform Benefits Take Effect Today:

Starting today, insurers will be required to:

  1. Keep you covered when you get sick: Simple mistakes or typos will no longer be grounds for insurance companies to cancel your insurance.
  2. Cover kids with pre-existing conditions….
  3. Allow young adults to stay on their parents’ plan up to age 26….
  4. Remove lifetime [coverage] limits….
  5. Phase out annual [coverage] limits….

For any insurance plan that goes into effect after September 23, 2010, your insurance company must:

  1. Pay for preventive care like mammograms and immunizations….
  2. Give you a better appeals process for insurance claims….
  3. Let you choose your own doctor… choose any available participating primary care provider as your provider, and any available participating pediatrician to be your child’s primary care provider.
  4. Provide easier access to OB-GYN services….
  5. Allow you to use the nearest emergency room without penalty: If an emergency arises while you’re away, you will no longer have to drive home to your in-network provider to receive in-network benefits.

How, lord almighty, were typos stopping people getting treatment and were people required to go to anything other than the closest emergency room?

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2 thoughts on “Judging by these improvements, Health Insurance in the US used to really suck, now it only sucks a little

  1. I followed this whole debate (if you can call it that) and, yeah, it sucked like a black hole. That first point involves something called ‘rescission’, where insurers desperately look for any excuse to cancel the policy of someone who’s become sick (and therefore expensive). This can be anything from a typo on the policy to a ‘pre-existing condition’ you didn’t tell them about, and the definition of ‘pre-existing condition’ is ludicrous.

    Mustn’t rant. But, yeah, it was (and still is) pretty bad over there.

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