Someone explain to me how Section 102 paragraph 1 (A) of HR 3200 promotes free choice of insurance coverage?
I am looking for honest answers here.
SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.
(a) Grandfathered Health Insurance Coverage Defined- Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage below this division, the term ‘grandfathered health insurance coverage’ ability individual health insurance coverage that is offered and within force and effect before the first day of Y1 if the following conditions are met:
(1) LIMITATION ON NEW ENROLLMENT-
(A) IN GENERAL- Except as provided within this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first potent date of coverage is on or after the first day of Y1.
(B) DEPENDENT COVERAGE PERMITTED- Subparagraph (A) shall not affect the subsequent enrollment of a dependent of an individual who is covered as of such first day.
(2) LIMITATION ON CHANGES IN TERMS OR CONDITIONS- Subject to paragraph (3) and except as required by regulation, the issuer does not change any of its terms or conditions, including benefits and cost-sharing, from those surrounded by effect as of the day before the first daylight of Y1.
(3) RESTRICTIONS ON PREMIUM INCREASES- The issuer cannot vary the percentage increase in the premium for a risk group of enrollees within specific grandfathered health insurance coverage without varying the premium for all enrollees in matching risk group at the same rate, as specified by the Commissioner.
Answers:
Section 102 is laying out the requirements for Grandfathered Health Care Coverage. This routine that the text refers to what an Insurance Provider must comply with surrounded by order to keep current plans from falling underneath the Bill's requirements for Insurance.
Your current insurance will not be required to meet the Bill's policies as long as they don't enroll new family, start charging you a lot more or change any of its lingo or conditions.
If for some reason you change insurance providers or re-work your insurance, the New Insurance Policy will enjoy to comply with the policies and requirements of the Bill.
"Does not enroll any individual in such coverage if the first efficient date of coverage is on or after the first day of Y1." refers ONLY to keeping a policy's status as "Grandfathered" or Immune to the requirements of the Bill. It does NOT apply to New Policies. What it DOES do is make New Policies involve yourself in in an Exchange.
Edit:
Sec. 102 (c)
(1) IN GENERAL- Individual health insurance coverage i.e. not grandfathered health insurance coverage under subsection (a) may single be offered on or after the first day of Y1 as an Exchange-participating health benefits plan.
Title II, Sec. 201
(a) Establishment- There is established in the Health Choices Administration and under the direction of the Commissioner a Health Insurance Exchange in charge to facilitate access of individuals and employers, through a transparent process, to a variety of choices of affordable, ability health insurance coverage, including a public health insurance route.
The Bill goes on to list plentifully of requirements for New Private Health Insurance Policies.
Such as :
SEC. 111. PROHIBITING PRE-EXISTING CONDITION EXCLUSIONS.
SEC. 112. GUARANTEED ISSUE AND RENEWAL FOR INSURED PLANS.
SEC. 113. INSURANCE RATING RULES.
SEC. 114. NONDISCRIMINATION IN BENEFITS; PARITY IN MENTAL HEALTH AND SUBSTANCE ABUSE DISORDER BENEFITS.
SEC. 115. ENSURING ADEQUACY OF PROVIDER NETWORKS
SEC. 116. ENSURING VALUE AND LOWER PREMIUMS.
AND
SEC. 122. ESSENTIAL BENEFITS PACKAGE DEFINED.
(b) Minimum Services To Be Covered- The items and services described in this subsection are the following:
(1) Hospitalization.
(2) Outpatient hospital and outpatient clinic services, including emergency department services.
(3) Professional services of physicians and other health professionals.
(4) Such services, equipment, and supplies incident to the services of a physician's or a strength professional's delivery of care contained by institutional settings, physician offices, patients' homes or place of residence, or other settings, as appropriate.
(5) Prescription drugs.
(6) Rehabilitative and habilitative services.
(7) Mental health and substance use disorder services.
(8) Preventive services, including those services recommended beside a grade of A or B by the Task Force on Clinical Preventive Services and those vaccines recommended for use by the Director of the Centers for Disease Control and Prevention.
(9) Maternity care.
(10) Well tot and well child care and oral robustness, vision, and hearing services, equipment, and supplies at lowest for children under 21 years of age.
What they are saying is that you hold 'free choice' as long as nothing chages. The moment anybody makes a choice that change anything - your free choice is invalid.
George Orwell would recognise this langage instantly.
Related Questions:
SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.
(a) Grandfathered Health Insurance Coverage Defined- Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage below this division, the term ‘grandfathered health insurance coverage’ ability individual health insurance coverage that is offered and within force and effect before the first day of Y1 if the following conditions are met:
(1) LIMITATION ON NEW ENROLLMENT-
(A) IN GENERAL- Except as provided within this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first potent date of coverage is on or after the first day of Y1.
(B) DEPENDENT COVERAGE PERMITTED- Subparagraph (A) shall not affect the subsequent enrollment of a dependent of an individual who is covered as of such first day.
(2) LIMITATION ON CHANGES IN TERMS OR CONDITIONS- Subject to paragraph (3) and except as required by regulation, the issuer does not change any of its terms or conditions, including benefits and cost-sharing, from those surrounded by effect as of the day before the first daylight of Y1.
(3) RESTRICTIONS ON PREMIUM INCREASES- The issuer cannot vary the percentage increase in the premium for a risk group of enrollees within specific grandfathered health insurance coverage without varying the premium for all enrollees in matching risk group at the same rate, as specified by the Commissioner.
Answers:
Section 102 is laying out the requirements for Grandfathered Health Care Coverage. This routine that the text refers to what an Insurance Provider must comply with surrounded by order to keep current plans from falling underneath the Bill's requirements for Insurance.
Your current insurance will not be required to meet the Bill's policies as long as they don't enroll new family, start charging you a lot more or change any of its lingo or conditions.
If for some reason you change insurance providers or re-work your insurance, the New Insurance Policy will enjoy to comply with the policies and requirements of the Bill.
"Does not enroll any individual in such coverage if the first efficient date of coverage is on or after the first day of Y1." refers ONLY to keeping a policy's status as "Grandfathered" or Immune to the requirements of the Bill. It does NOT apply to New Policies. What it DOES do is make New Policies involve yourself in in an Exchange.
Edit:
Sec. 102 (c)
(1) IN GENERAL- Individual health insurance coverage i.e. not grandfathered health insurance coverage under subsection (a) may single be offered on or after the first day of Y1 as an Exchange-participating health benefits plan.
Title II, Sec. 201
(a) Establishment- There is established in the Health Choices Administration and under the direction of the Commissioner a Health Insurance Exchange in charge to facilitate access of individuals and employers, through a transparent process, to a variety of choices of affordable, ability health insurance coverage, including a public health insurance route.
The Bill goes on to list plentifully of requirements for New Private Health Insurance Policies.
Such as :
SEC. 111. PROHIBITING PRE-EXISTING CONDITION EXCLUSIONS.
SEC. 112. GUARANTEED ISSUE AND RENEWAL FOR INSURED PLANS.
SEC. 113. INSURANCE RATING RULES.
SEC. 114. NONDISCRIMINATION IN BENEFITS; PARITY IN MENTAL HEALTH AND SUBSTANCE ABUSE DISORDER BENEFITS.
SEC. 115. ENSURING ADEQUACY OF PROVIDER NETWORKS
SEC. 116. ENSURING VALUE AND LOWER PREMIUMS.
AND
SEC. 122. ESSENTIAL BENEFITS PACKAGE DEFINED.
(b) Minimum Services To Be Covered- The items and services described in this subsection are the following:
(1) Hospitalization.
(2) Outpatient hospital and outpatient clinic services, including emergency department services.
(3) Professional services of physicians and other health professionals.
(4) Such services, equipment, and supplies incident to the services of a physician's or a strength professional's delivery of care contained by institutional settings, physician offices, patients' homes or place of residence, or other settings, as appropriate.
(5) Prescription drugs.
(6) Rehabilitative and habilitative services.
(7) Mental health and substance use disorder services.
(8) Preventive services, including those services recommended beside a grade of A or B by the Task Force on Clinical Preventive Services and those vaccines recommended for use by the Director of the Centers for Disease Control and Prevention.
(9) Maternity care.
(10) Well tot and well child care and oral robustness, vision, and hearing services, equipment, and supplies at lowest for children under 21 years of age.
What they are saying is that you hold 'free choice' as long as nothing chages. The moment anybody makes a choice that change anything - your free choice is invalid.
George Orwell would recognise this langage instantly.
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