Part of the Health Care Bill that passed

Sept. 5, 2010 by publicrelationswriterEdit

Comment #6 – I personally have been fighting my own battle with insurance carriers and being able to receive decent health care coverage at an affordable rate. I have gotten quotes for coverage for $1,000 per month. Yes! You heard me correctly.  I think that is outrageous. Through no fault of my own, I lost my health coverage through my employer when they went bankrupt; after that my COBRA expired and now I am responsible to buy my own health insurance. The problem arises when you have pre-existing conditions. That means that anything you have gone to the doctor for in the last five years, had a test for, or took medication for–is not covered.  And because of the high premiums, deductibles have to be outrageously high in order to afford the healthcare plan, which means that should anything catastrophic happen I would have to pay the first $2,500, $5,000 or $10,000. That also means that in order for the plan to pay anything at all, those deductibles would have to be met first even for ordinary doctor visits.  But they do not mind at all taking my monthly premium each and every month and then denying each and every claim.  Is this health care reform?

H. R. 3590—128‘‘(i) IN GENERAL.—The term ‘poverty line’ has themeaning given that term in section 2110(c)(5) of theSocial Security Act (42 U.S.C. 1397jj(c)(5)).‘‘(ii) POVERTY LINE USED.—In the case of any taxableyear ending with or within a calendar year, thepoverty line used shall be the most recently publishedpoverty line as of the 1st day of such calendar year.‘‘(d) APPLICABLE INDIVIDUAL.—For purposes of this section—‘‘(1) IN GENERAL.—The term ‘applicable individual’ means,with respect to any month, an individual other than an individualdescribed in paragraph (2), (3), or (4).‘‘(2) RELIGIOUS EXEMPTIONS.—‘‘(A) RELIGIOUS CONSCIENCE EXEMPTION.—Such termshall not include any individual for any month if suchindividual has in effect an exemption under section1311(d)(4)(H) of the Patient Protection and Affordable CareAct which certifies that such individual is a member ofa recognized religious sect or division thereof describedin section 1402(g)(1) and an adherent of established tenetsor teachings of such sect or division as described in suchsection.‘‘(B) HEALTH CARE SHARING MINISTRY.—‘‘(i) IN GENERAL.—Such term shall not include any individual for any month if such individual is a member of a health care sharing ministry for the month.‘‘(ii) HEALTH CARE SHARING MINISTRY.—The term‘health care sharing ministry’ means an organization—‘‘(I) which is described in section 501(c)(3) and is exempt from taxation under section 501(a),‘‘(II) members of which share a common set of ethical or religious beliefs and share medical expenses among members in accordance with those beliefs and without regard to the State in which a member resides or is employed,‘‘(III) members of which retain membership even after they develop a medical condition,‘‘(IV) which (or a predecessor of which) has been in existence at all times since December 31,1999, and medical expenses of its members have been shared continuously and without interruption since at least December 31, 1999, and‘‘(V) which conducts an annual audit which is performed by an independent certified public accounting firm in accordance with generallyaccepted accounting principles and which is madeavailable to the public upon request.‘‘(3) INDIVIDUALS NOT LAWFULLY PRESENT.—Such term shallnot include an individual for any month if for the month the individual is not a citizen or national of the United States or an alien lawfully present in the United States.‘‘(4) INCARCERATED INDIVIDUALS.—Such term shall not include an individual for any month if for the month the individual is incarcerated, other than incarceration pending the disposition of charges.‘‘(e) EXEMPTIONS.—No penalty shall be imposed under subsection(a) with respect to—‘‘(1) INDIVIDUALS WHO CANNOT AFFORD COVERAGE.—

Source:  nihb.org


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