The report of the medical loss (MLR) rules require health insurance companies to spend at least 80 to 85 percent of premiums on health care services. Insurers that do not comply will have to send rebates to consumers. This provision will help keep premiums low and to ensure that the premium money is spent on medical services and not administrative costs.
medical savings account funds can not be used on over-the-counter medications without a doctor's prescription tax free. Consumers will pay for these drugs out of pocket or visit the doctor.
There are also many benefits only for the elderly include:
- discount prescription drugs when seniors reach the donut hole
- free preventive services and annual wellness visits
- the Community care Transitions program will take effect provide help Medicare beneficiaries receive coordinated care and avoid unnecessary readmissions.
The federal government will also work to stop the reimbursement of Medicare Advantage plans more than basic health insurance plans.
In 2011, there will be over 20 different provisions that take effect as The Kaiser Family Foundation - provide consumers with much to enjoy in the new year.
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