So on Friday I was told by an associate that kids with existing conditions on their parents Health

[still_one]

Plan are being dropped by insurance companies, while those kids who are not on an existing plan, will have to be insured

If that is so, why didn't the people who wrote the HCR take that into consideration?

"Under the new law, insurance companies still would be able to refuse new coverage to children because of a pre-existing medical problem, said Karen Lightfoot, spokeswoman for the House Energy and Commerce Committee, one of the main congressional panels that wrote the bill that Obama signed into law Tuesday.
However, if a child is accepted for coverage, or is already covered, the insurer cannot not exclude payment for treating a particular illness, as sometimes happens now. For example, if a child has asthma, the insurance company cannot write a policy that excludes that condition from coverage. The new safeguard will be in place later this year. From AP

Translate: If there’s a family with a sick child that currently is without insurance, they can legally be turned down for coverage. The fine print: That pre-existing condition clause that kicks in at the six month mark only includes:

1. Those families that already have insurance and end up with a child who unexpectedly/suddenly is diagnosed with a serious illness; and
2. uhh, guess that’s it. Oh, wait, the writers of this forward-looking law assumed that, gosh golly gee whiz, if an uninsured family with a sick kid applies to get coverage and the insurance company accepts (whhhaaaatt?), the company can’t write in an exclusion that exempts coverage of that illness at the time of purchase. I know, I know…I can foresee this happening zillions of times.

Seriously: Even as I knew how awful this law is, I’m shocked. Deception and a sales job of the highest order."

http://www.correntewire.com/children_pre_existing_conditions_will_not_all_automatically_be_covered

[shraby]

1. Truth is, all kids with pre-existing conditions must be covered

and cannot be dropped now. Whether they have current coverage or not.

[still_one]

2. This link says not so

http://www.correntewire.com/children_pre_existing_conditions_will_not_all_automatically_be_covered


"Under the new law, insurance companies still would be able to refuse new coverage to children because of a pre-existing medical problem, said Karen Lightfoot, spokeswoman for the House Energy and Commerce Committee, one of the main congressional panels that wrote the bill that Obama signed into law Tuesday.
However, if a child is accepted for coverage, or is already covered, the insurer cannot not exclude payment for treating a particular illness, as sometimes happens now. For example, if a child has asthma, the insurance company cannot write a policy that excludes that condition from coverage. The new safeguard will be in place later this year. From AP

Translate: If there’s a family with a sick child that currently is without insurance, they can legally be turned down for coverage. The fine print: That pre-existing condition clause that kicks in at the six month mark only includes:

1. Those families that already have insurance and end up with a child who unexpectedly/suddenly is diagnosed with a serious illness; and
2. uhh, guess that’s it. Oh, wait, the writers of this forward-looking law assumed that, gosh golly gee whiz, if an uninsured family with a sick kid applies to get coverage and the insurance company accepts (whhhaaaatt?), the company can’t write in an exclusion that exempts coverage of that illness at the time of purchase. I know, I know…I can foresee this happening zillions of times.

[rbixby]

14. What till need to happen

Is they will need to get a new policy, and the children cannot be dropped. If they stick with their current one, then its still possible. Its the grandfather clause.

[still_one]

15. That is what I was hearing about the grandfather clause. /nt

[pnwmom]

6. No, companies are dropping out of the individual insurance market for children entirely

rather than ensure those with preexisting conditions.

The only option, until 2014 when all preexisting conditions must be covered, will be the high risk pool -- but that requires the childre to not have had any insurance for 6 months.

[still_one]

8. and who wrote in the requirement of 6 months? what was the purpose?

For that matter, who wrote in the flexible spending health accounts will drop from 5000 to 2500?, and even when that was done, they wrote it in such a way that if you didn't use it all up, you would lose it. Who are they working for the people or the corporations? Oh, sorry, I forgot, the Supreme Court said corporations are people

[Toots]

13. This may be the best thing ever to happen

While in the short term it could hurt many families, in the long term it could force Congress to write a real Health Care Law bypassing Insurance companies..

[sabrina 1]

10. Can you post a link that guarantees that because

that is not what Insurance Corps are saying. And why is there any confusion at all over this? It was raised as an issue over and over again before this bill became law and those who raised the issue were told to 'STFU'.

Why is there a need to wait any period of time at all? These predatory Insurance Corps have allowed more than half a million people to die over the past ten years rather than cover them. They are more of a threat to this country than any terrorist. Yet, Democrats, rather than work towards removing them from our Healthcare system, allowed them to dominate the debate while refusing access to Single Payer advocates.

I am sick of the excuses being made for this bill. The people who questioned it from the beginning were right. But it's too late now to do anything about it. We were told to 'just let it pass, then we'll fix it'. When is that going to happen?

I just read this weekend that Medicare costs are also going up and that seniors will see raises in their premiums starting next year.

The whole thing is just plain sickening. Shame on those who refused to fight for a better bill, for a PO at least.

[still_one]

12. The sad part is that these points are just common sense /nt

[elleng]

3. Not so; check the real facts.

We can't be 'governed' by rumor.

http://www.whitehouse.gov/healthreform

[Nikki Stone1]

4. Nor by spin. Still One is on the money here.

There's a lot of trickery behind this. The bill has lots of loopholes and no cost controls. The insurers don't give a damn what the White House web site says. They are doing what they want by reading the bill differently from the way the White House is reading it. Ultimately, it will come down to a court battle ONLY IF the Fed chooses to fight it. My guess is that they won't.

[still_one]

7. I am looking at the link and it also says you have to wait 6 months in certain

circumstances.

It sure doesn't seem clear to me, and I will be darned if I am going back to my associate and tell him otherwise, unless I can see it in clear English

[Nikki Stone1]

9. The legal language in the bill was problematic and left loopholes

That's the huge problem you are dealing with here. The insurance companies are splitting hairs to reject the spirit of the law in favor of the letter, which they can quibble over.

I honestly don't know what to tell you because I don't know who really knows what every detail is in the bill. I am so sorry. New legal language brings opportunities for more trickery and deceit.

[still_one]

11. Thanks. I obviously will not bring it up to him, until things become more clear /nt

[still_one]

5. Maybe I am not reading it write, but on link it says you have to wait 6 months

if you currently have insurance


May I apply for the Pre-Existing Condition Insurance Plan if I have existing health coverage?

You are not eligible unless you have been without health coverage for at least the last six months. For example, if you have Medicare or TRICARE, you shouldn’t apply. If you are uninsured and have been told that you may be eligible for other coverage programs like Medicaid and the Children’s Health Insurance Program, you should check out those programs first, as they may better meet your needs. If you have job-based coverage, or individual insurance coverage, you aren’t eligible to apply.

http://www.healthcare.gov/law/provisions/preexisting/faq/index.html#will

[Dappleganger]

16. So, how many kids will die just to test out this new law?

What's an acceptable number?

[sabrina 1]

17. A sad question. And that leads to another question. Does

the U.S. government care at all about the American people? How could they claim they do and still deal with these predatory, unethical, corrupt Corporations who have no qualms about allowing Americans to die. It's not like we don't have evidence. Imho, they should have been prosecuted, not rewarded with 30 million new customers and even that is not enough for them. Their greed knows no bounds and our Congress who voted to keep them in business are accessories to every death that occurs as a result of the actions of their friends in the HC Industry.