Maze cartoon of a
patient on a rollercoaster track to healthcare reform.
Cartoon maze of a patient
on a rollercoaster track to healthcare reform, without the
rollercoaster car.
By Yonatan Frimer
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Timeline: When health care reform will affect you
(CNN) -- President Obama signed sweeping health care
reform
into law Tuesday. The Senate must now pass a package of changes that
will reconcile the differences between Senate and House bills. If those
changes are worked out, here is how health care reforms will affect you:
Within
the first year
2011
2013
2014
2018
Within the first year
• Young adults will be able stay on their parents' insurance
until their 26th birthday.
•
Seniors will get a $250 rebate to help fill the "doughnut hole" in
Medicare prescription drug coverage, which falls between the $2,700
initial limit and when catastrophic coverage kicks in at $6,154.
•
Insurers will be barred from imposing exclusions on children with
pre-existing conditions. Pools will cover those with pre-existing
health conditions until health care coverage exchanges are operational.
• Insurers will not be able to rescind policies to avoid
paying medical bills when a person becomes ill.
• Lifetime limits on benefits and restrictive annual limits
will be prohibited.
• New plans must provide coverage for preventive services
without co-pays. All plans must comply by 2018.
•
A temporary reinsurance program will help offset costs of coverage for
companies that provide early retiree health benefits for those ages 55
to 64.
• New plans will be required to implement an appeals process
for coverage determinations and claims.
•
Adoption tax credit and assistance exclusion will increase by $1,000.
The bill makes the credit refundable and extends it through 2011.
• A 10 percent tax will be imposed on amounts paid for indoor
tanning services on or after July 1.
•
Businesses with fewer than 50 employees will get tax credits covering
35 percent of their health care premiums, increasing to 50 percent by
2014.
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