How does US Health Reform Help Uninsurables?
Not much is getting more press attention than the curren debate over health reform. But, in my opinion, one big problem that needs to be addressed is covering people with pre-existing conditions that are getting declined for health insurance today. How does the current health reform bill help these people?
People can get declined by private insurers for a large variety of reasons. These could range from mental health issues to high blood pressure readings. They could also be more serious. Of course, no insurer wants to pick up a patient who is already undergoing chemotherapy at $12k a day. But where do these people turn? It seems like most of us agree that our government should be the ultimate safety net, and how is health reform meeting that?
What Do High Risk Patients Do Today?
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What do they do, you mean, besides rely on emergency services and throw their bills in the garbage can? Well, they do have some options. Each state has a high risk health insurance plan today. But these vary. Some states, like mine, do have a high risk plan with a very expensive price tag. And not everybody qualifies. For instance, I had a friend with cancer who had maxed out his group health insurance benefits, and was declined by the high risk pool because he had group, even though he had no benefits left. Nice, huh?
Health Reform for High Risk Health Insurance
Apparently a national high risk health insurance pool will be established, and the rates will be set to be similar to standard rates. This part of the bill is set to go into effect 90 days from the bill’s passing, and will not have to wait until 2014 like other parts of the measure.
Is this all true? Who knows. The bill seems to change daily, and just because one version has passed the senate, while another version passed the representatives, doesn’t mean it will go into law. Both houses of congress have to merge this into one bill, and then Obama must sign off on it.
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