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Thread: Federal government releases long-awaited health reform rules

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    Federal government releases long-awaited health reform rules

    Long-awaited federal rules for
    health insurance
    plans came out Tuesday, and they make clear that insurance plans that people can buy on the open market next year will look a lot like some of the most popular plans on offer now – with a few big differences.As the 2010
    health
    reform law requires, insurers will no longer be able to dump patients who are starting to cost too much, they won’t be able to charge women more than men, they have to cover anyone who can pay and they’ll have to pay for maternity care, eye exams for kids and for mental health services.
    “Insurers will not be able to charge someone more just because she is sick or because she used to be sick,” Health and Human Services Secretary Kathleen Sebelius told reporters on a conference call.The new rules from the Health and Human Services Department cover the new state exchanges, where people will be able to buy health
    insurance
    starting in 2014.
    The rules lay out how much extra insurers can charge to cover certain groups of people, like smokers and people who are older. They also say when states outline so-called essential health benefits – the minimums of what health insurers should cover – they should use the best existing plans as a guideline. HHS also issued some guidelines for employers and insurers who want to offer wellness programs, which encourage people to keep themselves healthy.

    Federal government releases long-awaited health reform rules - Vitals

    Here we go....We had to pass it to find out what is in it....Unfortunately it doesn't look good.
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    Re: Federal government releases long-awaited health reform rules

    From what I read there, it basically makes the best plan out there the "standard" to which all others are going to be held. Since they can no longer surcharge certain groups of people the way they have in the past, the base rate for EVERYONE is going to be going up.

    Real nice. This is going to be an even bigger disaster than I had originally expected.

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    Re: Federal government releases long-awaited health reform rules

    One size fits all insurance.
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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by Tigger View Post
    From what I read there, it basically makes the best plan out there the "standard" to which all others are going to be held.
    Well then you didn't read it correctly. You can still get just adequate plans with sizable deductibles and lower premiums and stuff like that. In no way does this law make health care plans one size fits all, and it didn't make health care companies stop charging more for some people, it just limits the amount. You have no idea what that amount is and you go off complaining about it without all the facts.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by j-mac View Post
    Here we go....We had to pass it to find out what is in it....Unfortunately it doesn't look good.
    I knew all of these provisions were in the bill when it was passed. There are no surprises in your post. Insurance companies can't dump people (why do you find this to be a bad thing? You think that if I've been paying into health insurance for 20 years they should be able to dump me right when I get a disease? How ridiculous can you be?), it averages the cost of men and women, they can't deny people insurance if they can afford it, no pre-existing conditions etc.

    We knew all of this before now J.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by American View Post
    One size fits all insurance.
    Yes, like how earthquake codes mean we have "one size fits all buildings."
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    We’ll say what? Something like “nothing happened” ... Yeah, we might say something like that.

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    Re: Federal government releases long-awaited health reform rules

    So they can charge smokers up to 5x more, but what about obese people, people with diabetes that can be controlled with diet, alcohol drinkers?
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by roughdraft274 View Post
    I knew all of these provisions were in the bill when it was passed. There are no surprises in your post. Insurance companies can't dump people (why do you find this to be a bad thing? You think that if I've been paying into health insurance for 20 years they should be able to dump me right when I get a disease? How ridiculous can you be?), it averages the cost of men and women, they can't deny people insurance if they can afford it, no pre-existing conditions etc.

    We knew all of this before now J.
    Yea, rescission touted as a huge problem, was nearly nonexistent.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by Harry Guerrilla View Post
    So they can charge smokers up to 5x more, but what about obese people, people with diabetes that can be controlled with diet, alcohol drinkers?
    No where in the article does it say that they are only charging smokers more, and it does not say 5x more. We need to deal with this rationally and not go off making up numbers Harry.

    It said that it will allow insurers to charge a certain amount extra for certain groups that are at higher risk such as smokers and older people. I'm sure obese people also fit in to this category. All it is doing is limiting the amount that can be charged extra to a reasonable amount.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

  10. #10
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    Re: Federal government releases long-awaited health reform rules

    Quote Originally Posted by roughdraft274 View Post
    No where in the article does it say that they are only charging smokers more, and it does not say 5x more. We need to deal with this rationally and not go off making up numbers Harry.

    It said that it will allow insurers to charge a certain amount extra for certain groups that are at higher risk such as smokers and older people. I'm sure obese people also fit in to this category. All it is doing is limiting the amount that can be charged extra to a reasonable amount.
    Quote Originally Posted by NBC
    But smokers can be charged premiums that are five times higher under the new rules.
    Yea it did.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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