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One of the most popular and important provisions of the Affordable Care Act is setting basic minimum standards of medical insurance coverage. Here are some of those standards:
- Your insurance company is no longer allowed to cancel your policy if you get sick
- Your insurance company cannot deny you coverage or charge you more if you have a pre-existing health condition
- Your insurance company must allow you to keep your children on your plan until they turn 26 years old or get a job that provides health insurance.
- Your insurance company cannot impose lifetime caps on you health coverage.
- And perhaps most relevant to current discussion about insurance companies canceling substandard policies, your insurance company must cover what are called “essential health benefits.”
What are “essential health benefits?”
They are clearly defined on HealthCare.gov:
“Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.”
It baffles me that people are directing their anger at the ACA which rights these terrible wrongs.
The Hartford Courant newspaper reports that the CEO of Aetna insurance made $36 million last year plus several millions more in stock options.
They also report that the CEO of Cigna cleared a cool $12.5 Million plus stock options.
The American health insurance industry is one of the most profitable in the history of the world. Before the ACA, they made money by finding any excuse, any loophole to deny coverage to the sickest and most vulnerable people in our society.
Rather than being vindictive and canceling policies under the pretext of ObamaCare, the insurance companies should be thanking their lucky stars that they do not have to contend with a public option or a single payer system. That is what the law allows in every other modern industrialized democracy.
originally posted by: bigfatfurrytexan
a reply to: CB328
Jesus, doesn't anyone ever get tired of this?
Every time there is a different party in power, the party whining about the filibuster, among everything else that is whined about by the political clowns in this country, changes
Its like the NFL. Each quarter they switch ends, with a new kickoff each half.
Its so boring.
"Your party did this!"
"Yeah, well so did yours when you had the chance!!!"
"Well, duh!?! Of course...but still, you did this!!!"
originally posted by: Kali74
a reply to: Logarock
You just keep typing words. It's seems more like you listened to a pundit tell you that you shouldn't like the Supreme Court anymore and you just nodded your head, than actually having anything that resembles a legitimate reason.
originally posted by: CB328
Well, once again we see that long-held principles and integrity only exist for show in the Republican party. The same people who were freaking out a few years ago at the prospect of Democrats using a "nuclear option" are now clambering to do the same thing themselves, just because of they irrational mass hatred of Obama. Am I the only one who sees the hypocricy in this?
A GOP ‘nuclear option’ would bring sweeping consequences
originally posted by: AboveBoard
a reply to: xuenchen
That is one post of yours, xuenchen, that I agree with. There are multiple circumstances and issues to look at. I haven't heard anyone attempting solutions, you know, doing their job on this. It's either set in gold (because of the fear that if they open up any of the law to legislation the Republicans will fill it with poison pills to kill it) OR it's Repeal and Replace (with some mysterious plan we don't really have any information on yet but...yeah..Replace!)
I wish people in Washington would work for the people, and not as much for their party.
originally posted by: beezzer
I am paying 1400.00 a month, thanks to obamacare.
originally posted by: FyreByrd
1) don't believe the rules apply to them.
2) change the rules in order to get what they want.
3) don't lose with any class. (I'm refering to the constant challenges to laws past by anyone else)
4) cheat in all things.
They learn it in College.