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Sandflee

Health Insurance Rant

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well looks as though Oxford is bumping rates another 30% and our company is switching to GHI garbage, just gotta love when you pay $$ for insurance and get switched to plans that none of your doctors except.... yay health care reform, working like a charm

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You are not yet seeing health care kick in.

2010 Provisions

Calendar year 2010

  • Tax credit assistanceSmall businesses are eligible for a 35% tax credit; non-profits may receive up to a 25% credit.

  • Medicare Part D "donut hole" begins to close. Seniors receive a $250 rebate for prescription expenses in excess of $2,830.00.

  • Adoption Credit Increases adoption credit by $1,000, makes it refundable, and extends the credit through the 2011 tax year

  • Health students' assistance - Expands student loan programs, scholarships and loan repayments for medical services students, also allows exclusions from gross incomes for health professionals serving in underserved areas.
March 23, 2010

Federal grants to states to implement consumer assistance for complaints

April 1, 2010

Medicaid - Allows states to opt to cover parents and childless adults up to 133% of the Federal Poverty Level and receive federal funds under the current (strengthened) formulas.

June 21, 2010

  • High Risk Pools open for uninsured people. It's my understanding that unlike current state high risk pools, the costs on these will be subsidized and calculated as a national pool, spreading costs and risks across a wider group.

  • Federal assistance for early retirees - helps companies continue insurance for employees age 55-64
July 1, 2010
  • The John Boehner Tanning Tax - 10% tax on amounts paid for indoor tanning services
September 23, 2010
  • Rescissions - Policies may not be rescinded when people get sick. This applies to all new and existing policies, whether through an employer or individual.

  • Lifetime Limits - All lifetime limits on policies are eliminated.

  • Annual Limits - All group and individual plans will have tight restrictions on annual benefit limits. There will be no annual benefit limits once the exchange comes online 1/1/2014.

  • Preventative - 100% coverage for preventative health services.

  • Improved claims appeal process.
October 1, 2010
  • Community Health Centers Funding to strengthen existing community health centers and begin new ones in all 50 states.

  • Primary Care Workforce expansion via additional funding for scholarships and student loans.

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Oxford sucks and they are all going to raise the crap out of their rates, how else do you pay for 30 million more users???

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