Friday, March 18, 2011

When is the health insurance must insure pre-existing conditions suppose to take place that Obama was working?

When the hell is all this health insurance crap Barack Obama just passed suppose to take effect?!
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The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act include health insurance market reforms that will bring immediate benefits to millions of Americans, including those who currently have coverage. The following benefits will be available in the first year after enactment of the two bills. Small Business Tax Credits ? Offers tax credits to small businesses beginning in 2010 to make employee coverage more affordable. Tax credits of up to 35 percent of premiums will be immediately available to firms that choose to offer coverage. The full credit will be available to firms with 10 or fewer employees with average annual wages of $25,000, while firms with up to 25 or fewer employees and average annual wages of up to $50,000 will also be eligible for the credit. Effective calendar year 2010. Later, when Exchanges are operational, tax credits will be up to 50 percent of premiums No Pre-existing Coverage Exclusions for Children ? Prohibits health insurers from excluding coverage of pre-existing conditions for children. Effective six months after enactment, applies to all employer plans and new plans in the individual market. (This provision will apply to all people in 2014). Access to Affordable Coverage for the Uninsured with Pre-existing Conditions ? Provides $5 billion in immediate federal support for a new program to provide affordable coverage to uninsured Americans with pre-existing conditions until new Exchanges are operational in 2014. Effective 90 days after enactment. Closing the Coverage Gap in the Medicare (Part D) Drug Benefit ? Provides a $250 rebate check for Medicare beneficiaries who hit the 'donut hole' in 2010. Effective calendar year 2010. (Beginning in 2011, institutes a 50 percent discount on brand-name drugs in the donut hole; also fills the donut hole by 2020.) Patient Protections ? Protects patients' choice of doctors by allowing plan members to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care. This provision applies to all new plans. Effective six months after enactment. Re-insurance for Retiree Health Benefit Plans ? Creates immediate access to re-insurance for employer health plans providing coverage for early retirees, helping to protect coverage while reducing premiums for employers and retirees. Effective 90 days after enactment.
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