Your Health Care Dollars 3DEZ10

HERE'S an update on the Affordable Care Act (health care reform bill passed earlier this year), enactment of the provision starting in 2011 requiring insurance companies to spend 80% of insurance premiums on health care not on overhead or executive compensation, and if they don't do it they have to pay out rebates starting in 2012. This is what the gop and tea-baggers oppose.......I wonder why????? GREED?????

Over the past few years, many Americans have seen their health insurance premiums skyrocket, while the quality of their health care declined. One of the reasons I pushed so hard to pass health care reform this year was to make sure that American consumers get what they pay for when it comes to their health care. Today, we're launching a new provision of the Affordable Care Act that does exactly that. Next year, insurance companies will be required to spend at least 80 percent of the health insurance premiums you pay on your health care, instead of overhead costs like advertising and executive compensation.  If they don't, they will be required to give you a rebate or cut your premiums starting in 2012. I asked Nancy-Ann DeParle, the Director of the Office of Health Reform here at the White House, to break down what this means for you and why it's so important: This new rules will make our health care marketplace more transparent and ensure you get the best value for your premium dollars. And it is just one of the many parts of the Affordable Care Act that are already making our health care system stronger. Here are just a few ways the Affordable Care Act is helping you and your family: HealthCare.gov. This new website helps you find private health insurance coverage that's right for you and your family and now allows you to compare pricing for the options available to you.  In 2014, there will be many more affordable private plan choices. Patient's Bill of Rights. Insurance companies can no longer place lifetime limits on your care.  If you're a young adult under the age of 26, you can stay on your parents' plan, and if your child has a pre-existing condition, insurance companies can't deny his or her coverage. Pre-Existing Condition Insurance Plan. If you have a pre-existing condition and are having a problem finding coverage, the Affordable Care Act created a special insurance plan just for you.  Help for Small Businesses. If you're a small business owner, you may be eligible for tax credits to help provide insurance for your employees.   Free Preventive Care. If you're purchasing a new plan, you’ll get preventive care like cancer screenings, well-baby and well-child check-ups, and blood pressure or diabetes tests for free. These aren't just talking points. These changes are saving people’s lives and saving you money, and we will continue our work to implement this landmark law and make our health care system better for all of us. Sincerely, President Barack Obama P.S. Nancy-Ann's video follows a few others from the Chairman of the Council of Economic Advisers, Austan Goolsbee, who explains some important economic policies.  You can see them all here: http://www.whitehouse.gov/whiteboard

PATIENT'S BILL OF RIGHTS

It's been less than four months since President Obama signed the Affordable Care Act -- and, because of reform, about 1 million uninsured Americans are expected to receive coverage by next year. And that's just the start. A new bill of rights for patients is starting to take effect, and the worst abuses of the insurance industry are coming to an end. As the President recently announced, the Patient's Bill of Rights will ban rescission of coverage, stop discrimination against children with pre-existing conditions, and place restrictions on annual limits. This is an incredibly important first step for reform, and we need your help. We've put together an information sheet that breaks down exactly what the Patient's Bill of Rights does. To start spreading the word in your own community, print it out and pass it along to your friends, post in your local coffee shop and grocery store, or bring it along with you when going door-to-door. There are those who still aren't sure about health reform, but as the law takes effect, we have a new opportunity to convince the skeptics. OFA supporters are the very best communicators and organizers in communities all across the county -- you can bring the debate out of D.C. and into your town, and this information sheet is a great tool we believe will help. The Affordable Care Act works to put consumers back in charge of their health coverage and care. And because of the Patient's Bill of Rights, Americans can know that their insurance will be there when they need it most. The more information sheets we put in visible places, the stronger the message we'll send about our support for health reform and President Obama. Share it with your friends. Mail it to your family members. If you're a medical professional, post it in your office or waiting room. Be creative -- anything you do will be a huge help in making sure Americans understand what the new law does for them. Will you help us make the case for change? Download your information sheet and share the Patient's Bill of Rights with five friends today: http://my.barackobama.com/patientsbillofrights Thanks, Mitch Mitch Stewart Director Organizing for America
“Starting in September, some of the worst abuses will be banned forever. No more discriminating against children with pre-existing conditions. No more retroactively dropping somebody’s policy when they get sick if they made an unintentional mistake on an application. No more lifetime limits or restrictive annual limits on coverage. Those days are over.” – PRESIDENT BARACK OBAMA President Obama announced a Patient’s Bill of Rights made possible under health reform—a basic set of consumer protections that end some of the health insurance companies’ worst abuses. The Patient’s Bill of Rights: 1. Prevents insurance companies from canceling your policy if you get sick. Right now, insurance companies can retroactively cancel your policy when you become sick if you or your employer made an unintentional mistake on your paperwork. 2. Stops insurance companies from denying coverage to children with pre-existing conditions. Beginning in September, discrimination against children with pre-existing conditions will be banned—a protection that will be extended to all Americans in 2014. 3. Prohibits setting lifetime limits on insurance policies issued or renewed after Sept. 23, 2010. No longer will insurance companies be able to take away coverage at the very moment when patients need it most. More than 100 million Americans have health coverage that imposes lifetime limits on care. 4. Phases out annual dollar limits on coverage over the next three years. Even more aggressive than lifetime limits are annual dollar limits on what an insurance company will pay for your health care. For the people with medical costs that hit these limits, the consequences can be devastating. 5. Allows you to designate any available participating primary care doctor as your provider. You’ll be able to keep the primary care doctor or pediatrician you choose, and see an OB-GYN without referral. 6. Removes insurance company barriers to receiving emergency care and prevents them from charging you more because you’re out of network. You’ll be able to get emergency care at a hospital outside of your plan’s network without facing higher co-pays or deductibles or having to fight to get approval first. The Patient’s Bill of Rights starts to take effect this fall—but the benefits for individuals and families under health care reform don’t stop there. Over the course of the next several years, the historic health reform law will make care more affordable, hold insurers accountable, and finally give all Americans the coverage they deserve. To learn more about what’s in the health care reform bill, please visit: WHITEHOUSE.GOV