The one thing I do not see here and have not seen elsewhere is a prohibition against balance billing, e.g., when a doctor charges you the difference between what an insurer covers and what he or she wants to charge. This is not legal in Massachusetts, but is common practice in states like New York. Has anyone out there heard of interest in changing this on the national level?
Here's the list:
- Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history.
- Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
- Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
- Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
- Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender.
- Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
- Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
- Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.