Does it Make Sense


So many people will benefit from what has been termed as “Obama care”, while this bill has never been touted as the bill that will end all of our worries about healthcare, and it has a long way to go, the Universal Healthcare bill does have things in it that will affect everyone.

 For example, healthcare companies not being able to turn you down for a pre-existing condition. Do you really want to go back to a time when you could not even get healthcare because of a pre-existing condition, those who have had to go through the struggle of finding healthcare that is affordable, will tell you “NO”.  How about lifetime limits on care? This is a cap on the total lifetime benefits you may get from your insurance company.  An insurance company may impose a total limit on benefits (like a $1 million lifetime cap) or limits on specific benefits (like a $200,000 lifetime cap on organ transplants) or combination of the two. 
After the lifetime limit is reached, the insurance plan will no longer pay for covered services. And the patient will have to find another way to pay for the care.  This often comes down to selling their home, often filing for bankruptcy.  In the new law lifetime benefits are prohibited in any health plan or insurance policy issued or renewed on or after September 23, 2010.
The new law also restricts or phases out the annual dollar limits that all job-related plans, and individual health insurance plans issued after March 23, 2010, can put on most covered health benefits.
Some other changes can be found at http://www.healthcare.gov/law/timeline/

So does going backward really make sense?


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