How your health care may change
September 22nd, 2010
09:54 AM ET

How your health care may change

Six months ago tomorrow, President Barack Obama signed landmark health care reform legislation. On Thursday, a wave of major changes will take effect. But how will that change your health insurance? Here are eight ways ...

1. If you are an adult under age 26, you will now be covered by your parent or guardian's employer-based health insurance. In some states, this coverage extends until age 28 or 29, CNNMoney reports. Some companies began covering these older dependents as early as May; the Department of Health and Human Services offers more information.

2. If you have a child under age 19 with a pre-existing condition, insurance plans can no longer deny coverage. If you're an adult with a pre-existing condition, you'll have to wait until 2014 - that's when insurance plans can't deny coverage to adults with pre-existing conditions.

3. Insurance companies can no longer drop any customer when that person falls ill. Insurers can't search out an error on your insurance application and then not pay for a service when you get sick.

4. Preventative services such as vaccinations, mammograms and colonoscopies must be covered under new plans; customers should not have to pay any deductible, co-pay or coinsurance on them. But if you keep your existing plans, or have a group plan that doesn't substantially change, this won't affect you.

5. Also, you won't have any dollar limit over the course of a lifetime on hospital stays or other essential benefits, according to the changes that take effect Thursday.

6. You may have more freedom in choosing a doctor: Pediatricians and obstetrician-gynecologists must be allowed to have primary care physician status, so you won't need a referral or prior authorization for those practitioners.

7. The appeals process for claims will be more accommodating for patients. Until the issue is settled, the insurer must keep paying your claims and subsequent treatment.

8. Going to the hospital for an emergency may be easier, too, as insurance companies can't make co-payments or co-insurance more expensive for out-of-network ER providers. They must also remove prior authorization for ER services.

Here's one that's already in effect: If you are a senior citizen, you will get a one-time rebate of $250, tax free, if you have Medicare prescription drug coverage and fall in the "doughnut hole." As of August 2010, 1 million rebate checks were sent, according to the White House's website.

To commemorate the six-month anniversary of the law, President Obama will travel to the home of a person with a chronic ailment who is benefiting from the provision about lifetime coverage limits, according senior administration officials.

The White House's website has more information on health reform in specific states. The organization Getting Covered is hosting events in several states to help inform people of what the changes mean. Here are more resources if you are uninsured.

Check out these stories of real people and how their health care may change. Tomorrow's Empowered Patient will provide more information about the changes that take effect Thursday.

Parija Kavilanz and Sabriya Rice contributed to this report.

soundoff (1,075 Responses)
  1. RV Repair Shops Near Me Now


    June 26, 2021 at 12:56 | Report abuse | Reply
  2. RV Repair Center Near Me

    Iím amazed, I must say. Rarely do I encounter a blog thatís both equally educative and interesting, and let me tell you, you've hit the nail on the head. The problem is something that too few men and women are speaking intelligently about. I am very happy that I stumbled across this during my search for something concerning this.


    June 26, 2021 at 13:25 | Report abuse | Reply
  3. RV Collision Repair Near Me


    June 26, 2021 at 15:59 | Report abuse | Reply
  4. Effective Leadership

    Can I simply say what a relief to uncover someone that genuinely understands what they are talking about on the web. You certainly understand how to bring a problem to light and make it important. A lot more people should check this out and understand this side of the story. It's surprising you are not more popular since you surely have the gift.


    June 26, 2021 at 16:45 | Report abuse | Reply
  5. Spiritual Leadership

    I would like to thank you for the efforts you have put in penning this website. I am hoping to view the same high-grade blog posts by you in the future as well. In truth, your creative writing abilities has inspired me to get my own, personal website now 😉


    June 26, 2021 at 16:47 | Report abuse | Reply
  6. Leadership And Management

    Aw, this was an extremely good post. Finding the time and actual effort to generate a superb articleÖ but what can I sayÖ I put things off a whole lot and never seem to get nearly anything done.


    June 26, 2021 at 16:51 | Report abuse | Reply
  7. Henry Cloud Leadership Podcast


    June 26, 2021 at 17:57 | Report abuse | Reply
  8. cbs fantasy football podcast


    June 26, 2021 at 23:42 | Report abuse | Reply
  9. podcast the ride

    Pretty! This has been an extremely wonderful post. Many thanks for providing this information.


    June 27, 2021 at 01:11 | Report abuse | Reply
  10. sibling rivalry podcast


    June 27, 2021 at 04:05 | Report abuse | Reply
  11. Bible Verses About Leadership


    June 27, 2021 at 04:41 | Report abuse | Reply
  12. Leadership Challenge

    I was very happy to discover this page. I need to to thank you for your time due to this fantastic read!! I definitely loved every bit of it and i also have you saved as a favorite to check out new things in your website.


    June 27, 2021 at 04:58 | Report abuse | Reply
  13. Leadership Coaching

    Hi! I simply wish to give you a huge thumbs up for the great info you have got here on this post. I'll be coming back to your web site for more soon.


    June 27, 2021 at 06:59 | Report abuse | Reply
  14. Leadership Topics

    Everyone loves it when individuals come together and share thoughts. Great blog, stick with it!


    June 27, 2021 at 07:40 | Report abuse | Reply
  15. Leadership Principles Usmc


    June 27, 2021 at 09:45 | Report abuse | Reply
  16. Transformational Leadership Theory


    June 27, 2021 at 10:39 | Report abuse | Reply
  17. felger and mazz podcast


    June 27, 2021 at 11:19 | Report abuse | Reply
  18. The Dichotomy Of Leadership

    The next time I read a blog, I hope that it does not fail me just as much as this one. I mean, I know it was my choice to read through, however I really thought you would have something helpful to talk about. All I hear is a bunch of complaining about something you can fix if you weren't too busy looking for attention.


    June 27, 2021 at 11:59 | Report abuse | Reply
  19. Healthcare Leadership

    I was able to find good info from your blog articles.


    June 27, 2021 at 12:01 | Report abuse | Reply
  20. Adaptive Leadership


    June 27, 2021 at 12:36 | Report abuse | Reply
  21. Women Leadership


    June 27, 2021 at 13:15 | Report abuse | Reply
  22. Frightliner Sprinter Repair Shop

    Hello! I simply wish to offer you a big thumbs up for your excellent info you have got here on this post. I'll be coming back to your website for more soon.


    June 28, 2021 at 05:40 | Report abuse | Reply
  23. RV Repair Near My Location


    June 28, 2021 at 07:33 | Report abuse | Reply
  24. RV Repair Near Me Now


    June 28, 2021 at 10:42 | Report abuse | Reply
  25. Camper Repair Shop Near Me

    Iím impressed, I must say. Rarely do I encounter a blog thatís both equally educative and entertaining, and let me tell you, you have hit the nail on the head. The problem is an issue that too few people are speaking intelligently about. I'm very happy that I stumbled across this in my search for something relating to this.


    June 28, 2021 at 15:01 | Report abuse | Reply
  26. RV Repair Places Near Me

    I couldnít refrain from commenting. Exceptionally well written!


    June 28, 2021 at 16:08 | Report abuse | Reply
  27. Mercedes Sprinter Van 2015 3500 Repair


    June 28, 2021 at 16:41 | Report abuse | Reply
  28. RV Repair Garden Grove


    June 28, 2021 at 17:20 | Report abuse | Reply
  29. Van Rust Repair


    June 28, 2021 at 19:06 | Report abuse | Reply
  30. RV Repair Mission Viejo

    I'd like to thank you for the efforts you have put in penning this blog. I am hoping to see the same high-grade blog posts from you in the future as well. In truth, your creative writing abilities has encouraged me to get my own website now 😉


    June 28, 2021 at 21:27 | Report abuse | Reply
  31. RV Repair Shop Near Me

    Hi! I could have sworn Iíve visited this site before but after looking at some of the posts I realized itís new to me. Regardless, Iím definitely pleased I found it and Iíll be bookmarking it and checking back regularly!


    June 29, 2021 at 02:33 | Report abuse | Reply
  32. RV Repair Shop Near Me


    June 29, 2021 at 02:45 | Report abuse | Reply
  33. Rv Technician Shop Near Me

    Good post. I learn something totally new and challenging on websites I stumbleupon on a daily basis. It will always be useful to read through content from other authors and use a little something from other web sites.


    June 29, 2021 at 03:23 | Report abuse | Reply
  34. RV Repair Orange County


    June 29, 2021 at 04:58 | Report abuse | Reply
  35. RV Repair Shops Near Me Now

    Spot on with this write-up, I honestly believe that this website needs a great deal more attention. Iíll probably be back again to read more, thanks for the info!


    June 29, 2021 at 14:43 | Report abuse | Reply
  36. Sprinter Rust Repair

    Having read this I thought it was really informative. I appreciate you finding the time and effort to put this short article together. I once again find myself personally spending a significant amount of time both reading and posting comments. But so what, it was still worth it!


    June 29, 2021 at 15:18 | Report abuse | Reply
  37. RV Repair Around Me


    June 29, 2021 at 15:57 | Report abuse | Reply
  38. RV Repair California


    June 29, 2021 at 16:41 | Report abuse | Reply
  39. Mercedes Sprinter Brake Caliper Repair Kit


    June 29, 2021 at 17:14 | Report abuse | Reply
  40. Camper Repair Shops Near Me

    Hi there! I could have sworn Iíve visited your blog before but after browsing through some of the articles I realized itís new to me. Anyways, Iím certainly delighted I discovered it and Iíll be bookmarking it and checking back regularly!


    June 29, 2021 at 17:54 | Report abuse | Reply
  41. Freightline Sprinter Repair

    There is certainly a lot to learn about this issue. I really like all the points you have made.


    June 29, 2021 at 19:42 | Report abuse | Reply
  42. Sprinter Repair Costa Mesa


    June 29, 2021 at 22:33 | Report abuse | Reply
  43. Camper Repair Places Near Me


    June 30, 2021 at 03:42 | Report abuse | Reply
  44. RV Repair Nearby


    June 30, 2021 at 04:28 | Report abuse | Reply
  45. Ram High Top Van Repair Shop


    June 30, 2021 at 05:16 | Report abuse | Reply
  46. RV Repair Near Me

    An intriguing discussion is worth comment. There's no doubt that that you should publish more about this subject matter, it might not be a taboo matter but usually people don't talk about such issues. To the next! Many thanks!!


    June 30, 2021 at 06:01 | Report abuse | Reply
  47. RV Repair Shop


    June 30, 2021 at 06:02 | Report abuse | Reply
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Post a comment


CNN welcomes a lively and courteous discussion as long as you follow the Rules of Conduct set forth in our Terms of Service. Comments are not pre-screened before they post. You agree that anything you post may be used, along with your name and profile picture, in accordance with our Privacy Policy and the license you have granted pursuant to our Terms of Service.

About this blog

Get a behind-the-scenes look at the latest stories from CNN Chief Medical Correspondent, Dr. Sanjay Gupta, Senior Medical Correspondent Elizabeth Cohen and the CNN Medical Unit producers. They'll share news and views on health and medical trends - info that will help you take better care of yourself and the people you love.