| Ср, Апр 28, 2010 09:47am [Аноним] - 5127 d back | ↑↓ |
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Ten Things We Do Know About Health Care Reform
The Patient Protection and Affordable Care Act became law March 23, 2010, changing the future of American health care coverage. While many of the big changes won’t occur until 2014, some of the changes take effect this year. It’s hard to know at this early stage exactly how the new law will affect you, but here are 10 facts we do know about health care reform:
Effective this year:
Medicare recipients who reach the doughnut hole gap in Medicare prescription drug coverage (by spending at least $2,830 on prescription drugs in 2010) will get a $250 rebate.
Effective for health plan years beginning on or after September 23, 2010:
Health care plans may not exclude coverage for children under 19 who have preexisting medical conditions.
Dependent adult children under age 26 may be added to their parent’s health policy regardless of student or marital status.
Health care plans may not place lifetime dollar limits on essential benefits.
Group health plans must provide certain preventive health care and screenings without cost-sharing. These include certain immunizations; preventive care for infants, children, and adolescents; and certain preventive care and screenings for women. Cost sharing includes co-payments, deductibles, and co-insurance.
Effective 2011:
Medicare Part D beneficiaries who reach the doughnut hole coverage gap will receive a 50-percent discount on brand-name drugs purchased within the coverage gap.
Over-the-counter medications must be prescribed by a health care provider to be eligible for purchase or reimbursement through a flexible spending account (FSA) or health savings account (HSA).
Effective 2013:
FSA contributions will be limited to $2,500.
Effective 2014:
All Americans will be required to have health insurance; those who don’t must pay a fine. Subsidies will be available to those with lower incomes and health care exchanges will be established to make affordable coverage available to individuals and small groups. Fines will be waived for individuals who have no affordable coverage options.
Employers with more than 50 employees must provide employees with health care coverage; those who don’t must pay a penalty.
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