GatorB

Look at all the evil things it does. This MUST be repealed, we cant have sick kids getting coverage. Only commies do that. Choice of doctors? Pish-posh. The insurance companies know better then me which doctor I should be using.

Coverage expansion for adult dependents until age 26. provide coverage for dependents of workers who don't have access to other employer-based health care coverage 'till age 26

Children no longer denied coverage for pre-existing conditions: Insurance plans can't deny coverage due to a pre-existing condition to children under age 19. For adults, the same provision goes into effect in 2014.

Prohibit insurers from rescinding coverage: It's illegal for insurers to drop a customer when they become sick or search for an error on a customer's insurance application and then deny payment for service when the person gets sick

Free Preventive Care: All new plans must cover certain preventive services such as mammograms and colonoscopies without charging a deductible, co-pay or coinsurance.

No lifetime limits on coverage: Insurers no longer can impose lifetime dollar limits on essential benefits, like hospital stays or expensive treatments.

Unrestricted doctor choice: Plans must allow pediatricians and obstetrician/gynecologists to get primary care physician status. This eliminates the requirement for patients to get prior-authorization from their insurer or a doctor's referral to see a pediatrician or OB/GYN.

Level charges for emergency services: Insurers must remove prior authorizations for ER services. Also, insurers can't charge higher co-payments or co-insurance for out-of-network ER providers.

Patient-friendly appeals process: Insurers will have to establish new internal and external appeals processes for claims. This means that while a claim is under appeal, your insurer has to continue to pay your claims, and continue paying for subsequent treatment, until the matter is resolved