Key Provisions for Survivors in New Health Care Law

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Below are the key provisions in the new Patient Protection and Affordable Care Act for people affected by cancer. If you have any questions regarding these provisions or are directly affected by these provisions, we’d love to hear from you. Place your comments below. We will do the best to answer your questions.

Key Provisions:

– 32 million uninsured Americans are expected to receive health care coverage.

– Within six months, private insurance companies will be prohibited from enacting pre-existing condition exclusions for children 18 and younger. By 2014, individual and group plans will be prohibited from enacting pre-existing condition exclusions for any American.

– Within 90 days, people with medical conditions that make them uninsurable may qualify for coverage through a federally subsidized health insurance program. Spending for this program is limited to $5 billion and it will be in effect until 2014 when the pre-existing condition exclusion begins.

– Within six months, young adults will be able to be covered under their parents’ insurance policy until their 26th birthday.

– Within six months, individual and group plans will be prohibited from placing lifetime caps on health insurance benefits.

– Within six months, health plans will not be allowed to drop a person from coverage when they become sick.

– Within six months, the law requires new private plans to cover preventive services like breast, cervical and colorectal cancer screening with no co-pays and with preventive services exempt from deductibles. These same rules will apply for Medicare beginning January 1, 2011.

– By 2014, the law will end any annual limits on health insurance benefits.

– By 2014, the law will prohibit new health plans from dropping coverage because an individual chooses to participate in a clinical trial and from denying coverage for routine care that they would otherwise provide just because an individual is enrolled in a clinical trial. It would apply to all clinical trials that treat cancer or other life-threatening diseases.

5 thoughts on “Key Provisions for Survivors in New Health Care Law”

  1. Jeff Lines says:

    I have an excellent insurance plan so the health care bill has a different effect on me than other people. My main concerns are that there is a cap on the amount of money one can put in a flex spending plan ($2500) I am still trying to understand how this effects insurance rates and the ability for others to get insurance. With a family of 4 this money is spent for many reasons and I am worried that now I will not be able to save as much pre-tax for medical expenses. Another change is the increase in the minimum you can deduct, from 7.5% to 10%, basically making insurance more affordable means taxing medical expenses more? I am also concerned about the availability of insurance to those who intentionally live risky lives, one of the reasons I as a cancer survivor was able to get insurance was because I am a healthy, active, non smoker, non drinker. I receive this benefit because I take care of myself. Will my current rates actually go up because of the health care bill trying to equalize the insurance rates? I have heard that was one of the items in this health care bill, is this true? I truly believe in making health insurance more accessible to people but I believe we need to remain realistic about how we apply this, it is one thing to help out someone who had no choice, it is another to help them out when they know they are making risky decisions such as smoking or drinking or any other non healthy lifestyle choices. I don’t mean to sound harsh but why should my rates not reflect my lifestyle, this would basically say it is ok to drink or smoke. Is there anything in the bill about more stringent rules on malpractice lawsuits? I have been told that one reason for the rising medical costs is the increase in malpractice lawsuits. Yes there are valid cases but as with any legal action, laws can be misconstrued to benefit the wrong party. Again I am not trying to say this bill is horrible there are good points, however I have been blessed with great insurance and I am one who may pay for that so I would just like to get a better understanding of how my family will be affected by this.

  2. Chad says:

    I am a cancer survivor and I believe that reform is needed. The thing that has me worried is that the provision in the bill for children under 18 to be covered within the next year overlooking pre-existing conditions, was left out! It was one of the biggest pushes in the bill, it had a lot of attention and was mentioned tons! Now it has accidentally been overlooked. How can we trust that our best interest is in mind when they left out one of the most important aspects of the bill.

    http://abcnews.go.com/Business/wireStory?id=10186800

    What else is going to surface down the road. It just scares me.

  3. Luann says:

    I am also a cancer survivor and my present insurance thank goodness has covered most of my treatment so far. I do believe we need health care reform however I am of the opinion that when big government gets in the middle of something as large as health care things are really going to get messy and in the end it is you and I who will pay for this originally, long term it will hit big with my grandkids. There are alternative ways to help solve this problem.

  4. I have to say that Im very thankful for the socialized healthcare system we have over here in Germany. I have been treated VERY well after my cancer diagnosis and I had not to pay more than 300 Euro for everything. Im sure I wouldnt have had the strength to focus on my health when thinking about costs that could ruin my life after all (Im 23).
    Of course I can understand that citizens of the US have concerns about the new laws, but I really think this system will work as good as it does over here in a few years. EVERYTHING IS POSSIBLE!

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