Health Insurance Consumer Protections
September 1, 2009
The Obama administration has outlined these protections as a critical part of health care reform. They will provide the security and peace of mind that's been denied to millions of Americans, especially when they get sick. These protections are included in the House bill and other legislative proposals.
No Discrimination for Pre-Existing Conditions
Insurance companies will be prohibited from refusing you coverage because of your medical history.
No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
No Cost-Sharing for Preventive Care
Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
No Dropping of Coverage for Seriously Ill
Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
No Gender Discrimination
Insurance companies will be prohibited from charging you more because of your gender.
No Annual or Lifetime Caps on Coverage
Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
Extended Coverage for Young Adults
Children would continue to be eligible for family coverage through the age of 26.
Guaranteed Insurance Renewal
Insurance companies will be required to renew any policy as long as the policy holder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
