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 (297 Responses)
  1. Buy Proxies Cheap

    I like this weblog so much, saved to my bookmarks.


    February 14, 2021 at 19:01 | Report abuse | Reply
  2. generic tadalafil

    tadalis 20 mg 40 mg tadalafil tadalafil e20

    February 15, 2021 at 14:04 | Report abuse | Reply
  3. Belleville, MI Roofer

    Commenting on a blog is an art. Good comments create relations. You're doing great work. Keep it up. R 5 Roofing and Construction, 45041 Ecorse Rd, Belleville, MI 48111, (734) 215-6189


    February 15, 2021 at 14:30 | Report abuse | Reply
  4. Roofing Cincinnati, OH

    Interesting stuff to read. Keep it up. R 5 Roofing and Construction, 4422 Appleton St, Cincinnati, OH 45209, (513) 434-6711


    February 15, 2021 at 15:16 | Report abuse | Reply
  5. JbbnEncox

    reazioni cialis effetti collaterale cialis remboursement cialis mutuelle

    February 15, 2021 at 17:57 | Report abuse | Reply
  6. AhbzEncox

    cash advance in franklin ky payday loan howell mi advance check loan nampa

    February 16, 2021 at 17:56 | Report abuse | Reply
  7. 500000Scrapebox CommentBacklinks

    500000 Scrapebox Blast Live SEO blog Comment Backlinks: https://www.seoclerk.com/Link-Building/842132/500000-Scrapebox-Blast-Live-SEO-blog-Comment-Backlinks


    February 16, 2021 at 22:07 | Report abuse | Reply
  8. FqbbEncox

    camilla payday loans visa avion cash advance limit cash advance no fax

    February 18, 2021 at 03:30 | Report abuse | Reply
  9. Kbbfseelt

    ordering viagra onl viagra free sample pack viagra 50mg price

    February 18, 2021 at 09:11 | Report abuse | Reply
  10. SocialMedia Services2021

    Social network traffic Facebook likes Twitter Followers Instagram Followers and much more. Our Website: https://smmsupreme.com/


    February 19, 2021 at 14:43 | Report abuse | Reply
  11. ILove Nardil

    Did you know that the MAOI Anti-depressant Nardil is effective in 90 of patients for social anxiety and depression?


    February 19, 2021 at 18:07 | Report abuse | Reply
  12. plaquenil benefits

    erectile fissure [url=https://plaquenilx.com/#]cure for covid 19[/url] what erectile dysfunction pill is the best

    February 23, 2021 at 15:45 | Report abuse | Reply
  13. https://j-website.net

    Best view i have ever seen !


    February 25, 2021 at 13:30 | Report abuse | Reply
  14. NbmoZisse

    cialis is for daily use purchase cialis in montreal generic cialis tadalafil

    February 26, 2021 at 17:59 | Report abuse | Reply
  15. FjjuZisse

    viagra com free sample http://viagraonlinejc.com/ does viagra make you last longer

    February 28, 2021 at 22:10 | Report abuse | Reply
  16. KndnMile

    viagra side effects over the counter female viagra how often can you take viagra

    February 28, 2021 at 22:27 | Report abuse | Reply
  17. Fidela Acencio

    I am really enjoying the theme/design of your web site. Do you ever run into any internet browser compatibility issues? A number of my blog audience have complained about my website not working correctly in Explorer but looks great in Opera. Do you have any tips to help fix this issue?


    March 2, 2021 at 15:55 | Report abuse | Reply
  18. https://shiatsu-web.com

    Best view i have ever seen !


    March 3, 2021 at 06:45 | Report abuse | Reply
  19. Cary Shirakawa


    March 4, 2021 at 09:45 | Report abuse | Reply
1 2 3 4

Leave a Reply to FgnhZisse


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.