The 2010 health care changes are underway, as certain provisions of Obamacare start on September 23, 2010. This is a major update to many Americans, and we have a list of changes here for your handy reference. Of course, many of the most controversial changes don't take place until 2014 when the health care legislation is in full effect. However, here is a summary of the changes:1) Those under 26 are covered by their parents' insurance.
2) Insurers cannot deny children under 19 with pre-existing conditions; for adults, this provision doesn't go into effect until 2014.
3) Insurers cannot drop the ill, and cannot search out an error in the application to deny coverage.
4) New plans issued must fully cover preventative services such as colonoscopies. This does not apply for grandfathered plans.
5) No lifetime or illness cap for benefits
6) More freedom in choosing a doctor. Pediatricians and OBGYN's are listed as family doctors, so no prior authorization is needed to make an appointment.
7) Appeals are friendlier to the consumer. An insurer must keep paying claims until the issue is settled.
8) Insurers can't make treatment at an out-of-network emergency service provider more expensive.
The health care bill 2010 and changes to health insurance are highly controversial. The passage of the legislation angered many Americans, contributing to the current disdain for incumbents. However, the changes which go in to effect today seem pretty innocent - but there are many more changes coming soon.
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