President Obama and the Democrats boasted that the reform bill would prohibit immediate health insurance companies denying coverage to sick children, but the bill passed as currently written may be interpreted in different ways.
According to MSNBC , health insurance plans of America has interpreted the law the Senate not to require insurance companies to cover all children this year.
But Health and Human Services (HHS) Secretary Kathleen Sebelius will be issuing regulations on health insurance companies so that the law is not vague. The regulations will help define what the term 'pre-existing exclusion "applies to access the two children to health insurance plans and benefits, once the children had a plan.
Yet even with new regulations, health insurance companies can charge higher rates for children with pre-existing conditions until 2014. in 2014, insurers will not be able to base premium rates on health for every citizen.
Many health insurance companies and AHIP fear that only families with sick children will apply for Medicare coverage. and without the healthier consumers to purchase health insurance, the rates increase. in the past "guaranteed-issue" laws have resulted in higher rates because only those who are sick to purchase insurance.
More to come ...
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