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 (854 Responses)
  1. real estate for sale near my area

    Oh my goodness! Amazing article dude! Thanks, However I am encountering troubles with your RSS. I don’t know the reason why I am unable to join it. Is there anybody else getting similar RSS issues? Anyone that knows the solution can you kindly respond? Thanks!!


    May 14, 2021 at 17:21 | Report abuse | Reply
  2. nearest rv repair

    You've made some really good points there. I checked on the internet for more info about the issue and found most people will go along with your views on this site.


    May 14, 2021 at 19:05 | Report abuse | Reply
  3. New Maserati

    Howdy! I could have sworn I’ve visited this blog before but after browsing through many of the articles I realized it’s new to me. Anyways, I’m definitely happy I came across it and I’ll be book-marking it and checking back frequently!


    May 14, 2021 at 19:44 | Report abuse | Reply
  4. Contact Lens Exam

    This excellent website really has all of the information I wanted concerning this subject and didn’t know who to ask.


    May 14, 2021 at 20:04 | Report abuse | Reply
  5. Contact Lenses Near Me

    Greetings! Very helpful advice in this particular article! It's the little changes which will make the most important changes. Many thanks for sharing!


    May 14, 2021 at 21:36 | Report abuse | Reply
  6. real estate for sale harrison idaho


    May 15, 2021 at 00:23 | Report abuse | Reply
  7. camper repair shops

    Having read this I thought it was very enlightening. I appreciate you finding the time and effort to put this informative article together. I once again find myself spending way too much time both reading and commenting. But so what, it was still worthwhile!


    May 15, 2021 at 00:48 | Report abuse | Reply
  8. Eye Clinic Near Me


    May 15, 2021 at 02:27 | Report abuse | Reply
  9. Best Prescription Sunglasses


    May 15, 2021 at 02:27 | Report abuse | Reply
  10. camper fiberglass repair


    May 15, 2021 at 04:18 | Report abuse | Reply
  11. homes for sale near my location


    May 15, 2021 at 05:07 | Report abuse | Reply
  12. Oakley Prescription


    May 15, 2021 at 06:34 | Report abuse | Reply
  13. 2017 Maserati Quattroporte S Gransport

    Great article! We are linking to this great content on our site. Keep up the great writing.


    May 15, 2021 at 09:48 | Report abuse | Reply
  14. Lasik Eye Surgery Phoenix


    May 15, 2021 at 10:57 | Report abuse | Reply
  15. homes for sale harrison id

    I must thank you for the efforts you've put in penning this blog. I am hoping to view the same high-grade content from you in the future as well. In truth, your creative writing abilities has encouraged me to get my own, personal blog now 😉


    May 15, 2021 at 11:00 | Report abuse | Reply
  16. tires in orange county ca


    May 15, 2021 at 11:19 | Report abuse | Reply
  17. tv repair temecula ca


    May 15, 2021 at 11:43 | Report abuse | Reply
  18. Bifocal Contacts


    May 15, 2021 at 11:45 | Report abuse | Reply
  19. Lasik Eye Surgery Phoenix


    May 15, 2021 at 14:39 | Report abuse | Reply
  20. fiberglass shop near me

    I needed to thank you for this great read!! I absolutely loved every little bit of it. I have got you book marked to look at new things you post…


    May 15, 2021 at 17:07 | Report abuse | Reply
  21. Social Media Marketing Quotes


    May 15, 2021 at 19:26 | Report abuse | Reply
  22. Seo Marketing Orange County

    Saved as a favorite, I like your web site!


    May 15, 2021 at 21:38 | Report abuse | Reply
  23. FmrfEncox

    cialis black box warning http://cialisee.com/ – cialis shop usa cialis without pres

    May 16, 2021 at 00:25 | Report abuse | Reply
  24. aitan arena aika private server

    https://go.onelink.me/v1xd?pid=Patch&c=Mobile Footer&af_web_dp=https://aikareborn.com/wiki/skill_simulator

    May 16, 2021 at 01:34 | Report abuse | Reply
  25. stornobrzinol

    This web site is my breathing in, real wonderful design and style and perfect content.


    May 16, 2021 at 03:20 | Report abuse | Reply
  26. Aika Online Pran

    Aw, this was an extremely nice post. Spending some time and actual effort to generate a very good article… but what can I say… I procrastinate a whole lot and never manage to get nearly anything done.


    May 16, 2021 at 10:19 | Report abuse | Reply
  27. Dodge Sprinter Repair Shops

    Spot on with this write-up, I absolutely believe this web site needs a great deal more attention. I’ll probably be back again to see more, thanks for the information!


    May 16, 2021 at 11:49 | Report abuse | Reply
  28. Maserati Suv Price 2017

    I really like it when individuals come together and share ideas. Great blog, keep it up!


    May 16, 2021 at 14:57 | Report abuse | Reply
  29. Dodge Sprinter Auto Repair

    This is a topic that's near to my heart... Thank you! Where are your contact details though?


    May 16, 2021 at 16:05 | Report abuse | Reply
  30. JebgEncox

    Dilantin online pharmacy discount code 2018 pharmacy cheap no prescription

    May 16, 2021 at 17:57 | Report abuse | Reply
  31. Freightline Sprinter Repair


    May 16, 2021 at 23:49 | Report abuse | Reply
  32. Sprinter Mercedes Service

    It’s hard to find educated people for this topic, however, you sound like you know what you’re talking about! Thanks


    May 17, 2021 at 00:11 | Report abuse | Reply
  33. What Does A Maserati Look Like


    May 17, 2021 at 04:23 | Report abuse | Reply
  34. Sprinter Black Death Repair


    May 17, 2021 at 06:49 | Report abuse | Reply
  35. Van Sliding Door Repair


    May 17, 2021 at 07:33 | Report abuse | Reply
  36. Van Dent Repair


    May 17, 2021 at 09:25 | Report abuse | Reply
  37. GtnbCrulk

    otc viagra alternative https://jokviagra.com/ – how well does viagra work viagra actress

    May 17, 2021 at 09:35 | Report abuse | Reply
  38. Maserati Q4 Cost


    May 17, 2021 at 11:27 | Report abuse | Reply
  39. Dodge Sprinter Service


    May 17, 2021 at 11:45 | Report abuse | Reply
  40. JebgEncox

    Baycip Strattera best drug store mascara

    May 17, 2021 at 12:47 | Report abuse | Reply
  41. LebnEncox

    rx express pharmacy https://xlnpharmacy.com/ best no prescription pharmacy

    May 17, 2021 at 15:43 | Report abuse | Reply
  42. Maserati T Shirt

    bookmarked!!, I really like your website!


    May 17, 2021 at 16:05 | Report abuse | Reply
  43. dash store calabasas ca


    May 17, 2021 at 16:14 | Report abuse | Reply
  44. Maserati San Antonio

    Everything is very open with a clear description of the issues. It was truly informative. Your site is very useful. Thank you for sharing!


    May 17, 2021 at 17:10 | Report abuse | Reply
  45. AnooEncox

    do you need a prescription for viagra in new zealand https://llviagra.com/ chinese herb viagra

    May 17, 2021 at 19:06 | Report abuse | Reply
  46. Maserati 4 Door

    Hey there! I just wish to offer you a huge thumbs up for the excellent information you've got here on this post. I am returning to your web site for more soon.


    May 17, 2021 at 19:14 | Report abuse | Reply
  47. Maserati Craigslist

    I used to be able to find good advice from your content.


    May 17, 2021 at 19:15 | Report abuse | Reply
  48. LebnEncox

    best erectile dysfunction pills Tenoretic 100mg professional pharmacy

    May 17, 2021 at 19:32 | Report abuse | Reply
  49. AnooEncox

    buy ladies viagra https://llviagra.com/ venden viagra en farmacias

    May 17, 2021 at 21:21 | Report abuse | Reply
  50. school bus repair near me

    This web site truly has all of the info I needed about this subject and didn’t know who to ask.


    May 17, 2021 at 23:47 | Report abuse | Reply
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

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.