This information comes from the White House and it has my full support. As a health care provider in various capacities, I have repeatedly witnessed the abuses imposed on providers, the sick, and elderly by the health insurance industry. These atrocities are often outrageous, cheatful, and deceptive. Many people who have been paying high premiums for years receive denials, pitiful reimbursements, and flack when they get sick--a time when smoothness is especially needed. And with 47 million uninsured Americans due to its high cost, something ought to be done now. Everyone is human and deserves the right to health care... everyone from the members of Congress, to the unemployed, starving, street person. Nobody should be denied health care in an advanced, civilized country. A single-payer governmental system is still in order.
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No Discrimination for Pre-Existing Conditions
Insurance companies will be prohibited from refusing you coverage because of your medical history.
No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
No Cost-Sharing for Preventive Care
Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
No Dropping of Coverage for Seriously Ill
Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
No Gender Discrimination
Insurance companies will be prohibited from charging you more because of your gender.
No Annual or Lifetime Caps on Coverage
Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
Extended Coverage for Young Adults
Children would continue to be eligible for family coverage through the age of 26.
Guaranteed Insurance Renewal
Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.