• Here are the changes that come into play as of today (September 23rd):

    1) Those under 26 are covered by their parents' insurance.
    2) Insurers cannot deny children under 19 with pre-existing conditions; for adults, this provision doesn't go into effect until 2014.
    3) Insurers cannot drop the ill, and cannot search out an error in the application to deny coverage.
    4) New plans issued must fully cover preventative services such as colonoscopies. This does not apply for grandfathered plans.
    5) No lifetime or illness cap for benefits
    6) More freedom in choosing a doctor. Pediatricians and OBGYN's are listed as family doctors, so no prior authorization is needed to make an appointment.
    7) Appeals are friendlier to the consumer. An insurer must keep paying claims until the issue is settled.
    8) Insurers can't make treatment at an out-of-network emergency service provider more expensive.

    September 23, 2010 at 9:57 a.m.

  • I like the photos of the responders to the question of the day. Nice work Vic Ad!

    September 23, 2010 at 9:42 a.m.