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Finding a (private) health insurance plan... - 神話蝶 [entries|archive|friends|userinfo]
桜井香津美

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Finding a (private) health insurance plan... [Apr. 15th, 2010|02:37 pm]
桜井香津美
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Does anyone know if the provision of Obama's health care bill (no debates, please-- just asking a simple question[s]) scrapping insurance company's abilities to deny coverage based on pre-existing conditions has gone into effect yet, or know when it will?

I also wonder as part of that provision or a different one if they'll be able to get away with charging an arm-and-a-leg (like COBRA, etc), or if there's a cap on how much they can charge for premiums? Or benefits as a result..
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[User Picture]From: aerialmelodies
2010-04-15 06:51 pm (UTC)
I think the pre-existing thing is already in effect. As for costs, that depends. If you're employed, you could wind up eating a lot more of the cost based on how many employees your company has and your annual income (among other various factors). If you're paid less or unemployed, there should be a cap though I'm not sure how it will be priced. Some websites showed an unemployed person paying more than I do per month for care while others said the government will cover X number of dollars so an unemployed person technically pays less.

So really there's no simple answer to your second question other than I believe there will be caps. The benefits... who knows? Usually the cheaper the plan, the crappier the benefits. Not sure how the government is going to work around that one.
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[User Picture]From: shinwachou
2010-04-15 09:28 pm (UTC)
I hope it has indeed gone into effect.

I'm [still] unemployed, so I've started looking for a somewhat decent and relatively inexpensive insurance plan [mostly just want pharmacy benefits], and I've already been denied once for disclosing what I thought were innocuous conditions (e.g., acne). o_o;
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