Navigation Links
Health Plans Propose Guaranteed Coverage for Pre-Existing Conditions and Individual Coverage Mandate
Date:11/19/2008

WASHINGTON, Nov. 19 /PRNewswire-USNewswire/ -- Health plans today proposed guaranteed coverage for people with pre-existing medical conditions in conjunction with an enforceable individual coverage mandate.

Under the new proposal, health plans participating in the individual health insurance market would be required to offer coverage to all applicants as part of a universal participation plan in which all individuals were required to maintain health insurance.

Health plans also said that premium support for moderate-income individuals and broad spreading of risk was necessary to promote affordability and maintain premium stability in the individual health insurance market.

To ensure that all Americans can access coverage, health plans also reiterated their long-standing support for making eligible for Medicaid every uninsured American living in poverty and strengthening the Children's Health Insurance Program.

"No one should fall through the cracks of our health care system," said Karen Ignagni, President and CEO of America's Health Insurance Plans (AHIP). "Universal coverage is within reach and can be achieved by building on the current system."

The announcement follows a nationwide listening tour conducted by AHIP as part of its Campaign for an American Solution. Concerns about coverage for pre-existing conditions, continuity of coverage for those between jobs and maintaining affordability for those with insurance were raised repeatedly across the country.

"AHIP's Board of Directors is responding to the concerns of the American people by offering a workable solution to ensure that no one is left out of the health care system because of their health, age, income or employment status," said Ignagni.

The new proposal builds on the series of comprehensive reform plans that AHIP's Board of Directors began releasing in November 2006. Further reform proposals addressing the affordability, accessibility and quality of health care are anticipated in the weeks ahead.

Summary of AHIP's Proposal to Guarantee Coverage for Pre-existing Conditions and Promote Affordability in the Individual Insurance Market:

  • Guarantee-issue coverage with no pre-existing condition exclusions;

  • Establish an individual coverage requirement with an insurance coverage verification system, an automatic enrollment process and effective enforcement of the requirement that all individuals purchase and maintain coverage;

  • Promote affordability by: providing refundable, advanceable tax credits for moderate-income individuals and working families; and promoting tax equity whether coverage is obtained through an employer or the individual market; and

  • Ensure premium stability for those with existing coverage through a broadly funded reimbursement mechanism that spreads costs for the highest-risk individuals.

Background on the Individual Market and Guarantee Issue

AHIP's survey of the individual market shows that individually purchased health insurance is far more affordable and accessible than is widely known. The survey found that 9 out of 10 applicants undergoing medical underwriting were offered coverage. The plans commonly purchased by consumers provided substantial financial protection and a wide range of benefits, including coverage for behavioral health, prescription drugs and preventive services.

Some individuals are unable to purchase individual health insurance coverage in the private market because of their health status. One approach taken by states to address this issue has been the enactment of guarantee issue legislation requiring health plans to offer coverage to all applicants. These well-intentioned reforms have often resulted in severe unintended consequences, including significantly higher costs for all policyholders.

A report by Milliman, Inc. found that enactment of guarantee issue laws in the absence of requirement that individuals purchase coverage may incentivize people to defer seeking coverage until they have health problems - a situation which unfairly penalizes those who are currently insured. According to the report, states that implemented these laws saw a rise in insurance premiums, a reduction of individual insurance enrollment and no significant decrease in the number of uninsured. To learn more about the individual market survey and the Milliman report, please visit www.ahip.org.

America's Health Insurance Plans - Providing Health Benefits to More Than 200 Million Americans


'/>"/>
SOURCE America's Health Insurance Plans
Copyright©2008 PR Newswire.
All rights reserved

Related medicine news :

1. Wendy Hoke Joins the Sisters of Charity Health System as Communications Officer
2. HMS Presents 4th Annual Heroes of Healthcare Awards
3. SEIUs Andy Stern Renews Call to Fix Nations Broken Health Care System, Ease Financial Strain on Working Families, Economy
4. Ansell Healthcare Europe Lands 2008 Frost & Sullivan Customer Service Leadership Award for its Ansell Guardian(SM) Safety Program
5. NuVasive to Present at 20th Annual Piper Jaffray Health Care Conference
6. Mexican Department of Public Health to Launch Screening for Papillomavirus, Cause of Cervical Cancer
7. Leading Healthcare Provider Signs Agreement With UCN for inContact
8. Blue Cross Teams up With Eight Groups to Address Obesity, Lower Minnesotans Health Risks by Promoting Healthy Eating
9. Washington Fire Firefighters Launch First of Its Kind Pilot Program on Health and Fitness
10. Health and Fitness Site iNutrition.com Gives Away Fifth Nintendo Wii and Wii Fit
11. Gentiva Health Services Confirms Management Succession
Post Your Comments:
*Name:
*Comment:
*Email:
(Date:2/9/2016)... ... February 09, 2016 , ... IsoComforter, ... the introduction of the newly designed, innovative shoulder wrap. The newly designed ... coverage for the injured arm and shoulder to promote faster healing. It is ...
(Date:2/9/2016)... ... February 09, 2016 , ... Sir ... company , is proud to announce that many of their franchises have received ... service. The hard surface restoration franchises received customer recognition through positive reviews and ...
(Date:2/9/2016)... ... February 09, 2016 , ... ... officially been won. A team from 21st Century Medicine (21CM) ( http://www.21cm.com/ ... preserve the delicate neural circuits of an intact rabbit brain for extremely long-term ...
(Date:2/8/2016)... (PRWEB) , ... February 08, 2016 , ... ... authorization with BASF Human Nutrition into the Food & Beverage and ... has been BASF’s channel partner throughout Canada and USA geographies east of the ...
(Date:2/8/2016)... ... February 08, 2016 , ... The Valentine’s Season is famous for gift giving with flowers, chocolates ... they are loved. This year, for more than 5.6 million Americans suffering with Alzheimer’s, ... be enough to remind them of the lives they’ve led and the people they’ve touched. ...
Breaking Medicine News(10 mins):
(Date:2/9/2016)... 9, 2016   AllCare Plus Pharmacy announced ... Seal of Approval ® for Home Care ... standards. The Gold Seal of Approval ® is ... to providing safe and effective care.  ... underwent a rigorous on-site survey in January 2016. The ...
(Date:2/9/2016)... Feb. 9, 2016 The new report "Global Diagnostic Ultrasound ... & Consulting group reveals that global diagnostic ultrasound devices market was ... to US$ 7,466.3 million by 2019 at a CAGR of 6.8% ... global ultrasound market has been analyzed for six geographies of ... Asia-Pacific , Latin America , ...
(Date:2/9/2016)... , Feb. 9, 2016 The global ... 2014, and it is expected to grow with a ... the glass prefilled syringes segment dominated the global prefilled ... --> --> The global market ... rate, due to increasing geriatric population, increasing demand for ...
Breaking Medicine Technology: