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Some reforms found in health care bill

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Posted: Saturday, April 10, 2010 12:00 am

Although there are several aspects of the recently passed Health Insurance Reform Act that I do not like, the following reforms to our health insurance system take effect over the first year:

  • Health insurance providers cannot deny any child coverage because of a pre-existing condition.
  • Insurance companies can no longer drop someone when he or she becomes ill.
  • Young adults can stay on their parents' health insurance plan up to their 27th birthday.
  • Health insurers must now reveal how much money is spent on overhead.
  • New health insurance plans must cover checkups and other preventative care without co-pays.
  • New measures will be implemented to help eliminate health insurance waste, fraud and abuse.
  • Small businesses (fewer than 50 employees) will get tax credits covering up to 50 percent of premiums.
  • Seniors on Medicare will get a rebate to fill the "donut hole" in their drug coverage.
  • Insurers will be required to put more premiums dollars toward actual health care services, not administration, advertising or profits.
  • Insurance premium increases will have to be reviewed and justified.
  • Lifetime caps on the amount of insurance a person can have will be banned.
  • A temporary high-risk pool will be set up to cover adults with pre-existing conditions.

These benefits to all the American people — Republicans and Democrats alike — were accomplished with not one Republican vote.

Marcia Savage


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Welcome to the discussion.


  • posted at 6:27 pm on Sun, Apr 11, 2010.


    t jefferson: Re: Tort Reform - "The bill provides funding and incentives for states to innovate around liability and tort issues. Bachmann and the rest of her Republican cronies should know that tort reform is a state-by-state issue. Jurisdiction for how torts are litigated belongs to the states, not the federal government. After all, isn't that part of the argument for repealing health care reform?" Source: April 11,2010

  • posted at 4:22 pm on Sun, Apr 11, 2010.


    What a fine cast of characters here in these posts! I had to join in! Mrs. Savage, you did a great job in helping to educate those who may not understand the "good" in the bill. Your voice is appreciated. Keep up the good work!

  • posted at 8:20 am on Sun, Apr 11, 2010.


    I am angry with my father for NOT teaching me how to scam the system, how to get stuff for nothing, how to let others take care of me and pay my way. NO...he taught me instead HOW TO WORK!!!I'm angry with my teachers for doing a good job, teaching me the alphabet, math, reading, rules to live by and that hard works pays off.I'm mad at Ron Braden, Seldon Brusa, and The Marine, Gordon Collett for teaching me to be a good athlete, work hard and make something of myself...a scholarship to the Univ of Arkansas for swimming. Thanks Gordon.I'm mad at my friends Kim Tutt, Don Christy, Greg Costa, Gary Willis and Rick Reeder for pushing me so hard in the pool and my sister Nancy for making me get up every day at 5:00AM to go to practice just so I could swim 5 miles.I'm mad.

  • posted at 8:07 am on Sun, Apr 11, 2010.


    Brow: But it did not. Instead we got the lip-sticked pig, mud pie. The point is I will still have to pay for others...when I can't afford to pay for myself...I personally do not want WELFARE insurance. I spent 28 years coaching kids, 14 years on shcool boards, did my military service and have donated $100Ks of money to charities...NOW you want me to BE one! NO THANKS.

  • posted at 6:20 am on Sun, Apr 11, 2010.


    Mr. Maple: It's too bad Single Payer and/or Medicare for All (HR 676) never got passed. As a business owner you would never have to pay any Workers Comp again, because every American citizen would be covered for illness and/or injury no matter where it occurs. As for pre-existing conditions, if you have one, you will NEVER get insurance, but if you do, they would exclude any coverage for that condition.AND if you pay your exhorbitant premiums for years, then get sick, they can cancel your coverage in a heartbeat. This Health Care Reform that passed is the health insurance/pharma industry's dream come true. It is so far from "socialized" medicine that it's laughable. Where do you get your figures on "most injuries and sickness are work related?" I've never heard that before.

  • posted at 1:42 am on Sun, Apr 11, 2010.


    Ms Savage: You are trying now, to put lipstick on a pig, whip cream on a mud pie, a deposit in a dead business's account and a smile on an unemployed's check stub. OMT: What the hell is a "temporary high-risk pool"...for adults? Who defines an adult? Isn't an adult someone who takes care of their self? OLT: Whose your nanny?

  • posted at 1:32 am on Sun, Apr 11, 2010.


    Steve: You just made one mistake...Obama doesn't pay for it...WE do. Mazie: It's the Freebie Party vs Tea Party in November.Ms Savage: I already pay 42% workman's add $400 pm per employee...most injuries and sicknesses are work related. Pre-existing conditions for both children and adults are covered by most just pay more. Dropped for illness...look behind the story. Young adults??? I was a young adult when they drafted me...why not 37 or 47 or 57??? The insurers premiums will just go up. So a 27 year old woman having her 4th child should be on my insurance??? Why no for your insurance like you do your cigarettes and fast food. "New Measures" equals new regulations equals new regulators equals new taxes, by the "reviewers and justifiers". What a world you must live in.

  • posted at 5:08 pm on Sat, Apr 10, 2010.


    Jerome, at least 26 dems had the guts to stand up and vote no, unlike the reps who had no one with any guts at all.

  • posted at 1:34 pm on Sat, Apr 10, 2010.


    Great letter, Marcia. Thank you !

  • posted at 6:58 am on Sat, Apr 10, 2010.


    For all the things on her list, Ms. Savage leaves out the fact that the only thing bi-partisan (what Americans have been clamoring for, by the way) were the votes against this new destructive law.The near failure of this bill's passage wasn't the Republican's fault (although I'd love to give them full credit for their efforts), but the infighting amongst the Democrats themselves.

  • posted at 6:49 am on Sat, Apr 10, 2010.


    "We will show them. LOL," Mazie...what, are you five years old?The funniest program I've seen recently was Jesse Ventura hosting Larry King Live. He and Ron Paul had Republican Strategist and smarmy Fox News Commentator Andrea Tantaros so flustered by countering her lies that she looked like she was going to explode.Also, according to CNN, the insurance companies have already discovered a "loop-hole" in the HCRB that will allow them to NOT cover children with pre-existing conditions. Waiting patiently for their whole list of loop-holes they no doubt are scurrying to find.

  • posted at 5:08 am on Sat, Apr 10, 2010.


    Who the heavens is "Thesky", is he related to Trotsky by any chance????

  • posted at 4:20 am on Sat, Apr 10, 2010.


    tio - the burying of the nation started with FDR...unfortunately the GOP lost its way and has brought into the big gov is all foreordained...this has happened before and will happen should be an interesting next 30 years.

  • posted at 4:19 am on Sat, Apr 10, 2010.


    Hey, objectionists, THE SKY IS FALLING, THESKY IS FALLING.

  • posted at 2:41 am on Sat, Apr 10, 2010.


    The people who forced Obamacare on us should be forced to have this coverage. I can't wait until November. We will show them LOL

  • posted at 2:36 am on Sat, Apr 10, 2010.


    I agree t jefferson the Repulicans buried our economy so deep it will take years to recover. The only smart thing you ever said.

  • posted at 2:14 am on Sat, Apr 10, 2010.


    Hmm...27 is now the new age of majority...amazing.There is not a lick of tort reform in this bill.How is the government going to eliminate waste in the insurance companies?Don't forget about all of the unintended consequences that are going to happen that aren't in this bill either.Businesses shutting down.People losing their jobs.Insurance companies not covering anyone new.Rates for those with preexisting conditions being set at 20K per monthTaxes going through the roof to pay for this bill.Employers dropping their health coverage because it is cheaper on the govt plan.All brougth to you without one GOP vote...remember that in November while the economy is still in the toilet and people are still loosing their jobs.

  • posted at 2:13 am on Sat, Apr 10, 2010.


    And they all lived happily ever after....

  • posted at 2:09 am on Sat, Apr 10, 2010.


    Marcia Savage forgot to mention why the IRS Chairman doesn't know how many of his agents will be needed to help enforce Obamacare. The CBO estimates it will need an additional 10 billion dollars over the next ten years to help catch those who do not sign up for Obiecare and collect fines from those who dare exempt themselves from buying into this Orwellian pipe dream. Good news is that all those outstanding government servants who voted for Obama care will be able to keep their gold plated, taxpayer funded health care plans while you Ms Savage takes what Obama gives you. Marcia, you also believe all these goodies your fearless leader is handing out won't raise the deficit one dime don't you? Bet you still follow a rainbow looking for that mystical pot of gold.


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