President Obama makes an attempt to outline benefits that would be realized this year if the Health Care reform were passed.
Under the accountability section of the plan the President insists that the following changes will happen:
•Eliminate lifetime limits and restrictive annual limits on benefits in all new plans;
•Prohibit rescissions of health insurance policies in all individual plans;
•Prohibit pre-existing condition exclusions for children in all new plans;
•Require premium rebates to enrollees from insurers with high administrative expenditures and require public disclosure of the percent of premiums applied to overhead costs;
•Establish a process for the annual review of unreasonable increases in premiums, requiring State insurance commissioners to work with the HHS Secretary and States.
Under the Consumer Protection section of the plan:
•Provide grants to States to support health insurance consumer assistance and ombudsman programs to help consumers;
•Ensure consumers have access to an effective internal and external appeals process to appeal new insurance plan decisions;
•Require all insurance plans to use uniform coverage documents so consumers can make easy comparisons when shopping for health insurance;
•Establish an internet portal to assist Americans in identifying coverage options;
•Prohibit insurers from discriminating in favor of highly compensated employees by charging them lower premiums.
The President claims that all of this will create Affordable Choices and Quality Care:
•Provide immediate access to insurance for uninsured Americans who are uninsured because of a pre-existing condition through a temporary high-risk pool;
•Create a temporary re-insurance program for early retirees;
•Require new plans to cover an enrollee’s dependent children until age 26;
•Require new plans to cover preventive services and immunizations without cost-sharing;
•Offer tax credits to small businesses to purchase coverage;
•Facilitate administrative simplification to lower health system costs.
The sales pitch continues.
As always, the transcript is below the video.
This week, I asked Congress to schedule a final vote on reform that will give families and businesses more control over their health care by holding insurance companies more accountable. This comes after nearly a year of debate, as well as a seven hour summit with Democrats and Republicans where we had a public and substantive discussion on health care. Since then, I’ve said that I’m willing to incorporate some ideas offered by Republicans, and we’re eliminating special provisions that had no place in health care reform.
Now, despite all the progress and improvements we’ve made, Republicans in Congress insist that the only acceptable course on health care is to start over. But you know what? The insurance companies aren’t starting over. I just met with some of them on Thursday and they couldn’t give me a straight answer as to why they keep arbitrarily and massively raising premiums – by as much as 60% in states like Illinois. If we do not act, they will continue to do this. They will continue to drop people’s coverage when they need it. They will continue to refuse coverage based on pre-existing conditions. These practices will continue.
That’s why we must act now. That’s why the United States Congress owes the American people an up-or-down vote on health insurance reform.
The proposal we’ve put forward would end the worst practices of the insurance industry, lower costs for millions of Americans, and give uninsured individuals and small businesses the same kind of choice of private health insurance that Members of Congress get for themselves. And while it will take a few years to fully implement these reforms, there are numerous protections and benefits that would start to take effect this year.
This year, small business owners will receive tax credits to purchase health insurance.
This year, thousands of uninsured Americans with pre-existing conditions will finally be able to purchase coverage. Insurance companies will no longer be allowed to deny coverage to children with pre-existing conditions. And they will no longer be allowed to drop your coverage when you get sick.
This year, all new insurance plans will be required to offer free preventive care to their customers – so that we can start catching preventable illnesses and diseases on the front end. There will no longer be lifetime limits or restrictive annual limits on the amount of care you receive. Young adults will be able to stay on their parents’ insurance policy until they’re 26 years old. And there will be a new, independent appeals process for anyone who feels they were unfairly denied a claim by their insurance company.
Finally, seniors who fall into the gap in coverage known as the donut hole will receive $250 to help them pay for their prescriptions.
What won’t change when this bill is signed this: if you like the insurance plan you have now, you can keep it. If you like your doctor, you can keep your doctor. Because nothing should get in the way of the relationship between a family and their doctor.
If we act now, all of this will happen this year. Millions of lives will improve. Some will be saved. Many families and small business owners will have health insurance for the very first time in their lives. Doctors and patients will have more control over their health care decisions, and insurance company bureaucrats will have less. This future is within our grasp.
But we also know what the future will look like if we don’t act – if we let this opportunity pass for another year, or another decade, or another generation. More Americans will lose their family’s health insurance if they switch jobs or lose their job. More small businesses will be forced to choose between health care and hiring. More insurance companies will raise premiums and deny coverage. And the rising cost of Medicare and Medicaid will sink our government deeper and deeper into debt.
I don’t accept that future for the United States of America. I know it has been a long and hard road to this point. And we are not finished with our journey just yet. But we are close. We are very close. And so I ask Congress to finish its work. I ask them to give the American people an up or down vote. And let’s show our citizens that it’s still possible for Washington to look out for their interests and their future.
Thanks for listening.
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