Today marks the first major milestone for national health reform. It's been six months since President Obama signed the Patient Protection and Affordable Care Act (PPACA) into law. Today is also the day that many significant changes start to take effect.
RWV has prepared a resource for you to use and share that explains all the provisions of PPACA that go into effect today. Some of them include:
- Insurance companies will be prohibited from canceling your policy if you get sick. As a result of the new law, insurance companies cannot cancel (rescind) your policy if you get sick or if your employer made an unintentional mistake on your paperwork.
- Insurance companies will no longer be able to set lifetime limits or "unreasonable" annual limits on the amount of medical care they will cover under existing policies. The new law will prevent insurance companies from setting lifetime limits on the dollar amount of health care they will cover, and then ending your coverage when you hit that limit because of a serious illness or accident.
- All new insurance plans will be required to cover preventive health care and screenings (such as Pap smears and mammograms) without any cost sharing (like co-payments or deductibles). The new law requires all new private insurance plans written after mid-September 2010, or any existing plans to which substantial changes have been made, to cover a long list of preventive services without any cost sharing (including co-payments, coinsurance and deductibles for all expenses that must be met before coverage kicks in). Unfortunately, contraception is not yet included on this list. Many thanks to our allies who signed the RWV letter to HHS on this topic.
- Children with pre-existing conditions cannot be denied coverage. Employer-based health plans and new individual plans won't be allowed to deny or exclude coverage for your children if they are under age 19 and have a pre-existing condition and/or a disability.
RWV Launches Young Adult Campaign: Young Women Get Involved!
Today is an important day for young women, as well. Young women are more likely to be uninsured than women in any other age group and today they will begin to benefit will benefit from a new rule. Starting today, young adults can remain on their parents' health insurance policy as a dependent until age 26.
If you're a young adult or the parent of a young adult then there's lots of important information you must learn in order to take advantage of this great provision in the health reform law. Head over to our website for all the details, including a list of fast facts to keep you informed.
If you're a young person and you realize that this is important information that should be shared, you're right! RWV is looking for smart young people to help us get the word out and we've got some resources to help you do it! We want you to gather some of your friends and classmates to host an event on your campus. Below are the only two things you'll need to make it happen.
First, download our event planning guide HERE. It explains how to plan an event, who to call and provides a factsheet to use.
Second, download the PowerPoint presentation HERE. It's all set up for you to use at your event. It includes all the information you'll need to share and a script in the notes section for you to use. The power-point presentation highlights the most important points in the health care law, and the notes and resources have more detailed information about each of the slides.
Use these two resources together to help you host a really successful and informative event on your campus. If you have questions for RWV, don't hesitate to email us HERE.