Health Care Reform Begins at Your Direct Care Primary Home


One of the health care reform bill reforms that won't start until 2014 is the implementation of "insurance exchanges." Instead of the public option--where the government provides both the pool of customers and provides the health care--with the insurance exchange, the government simply creates the pool of customers. We can go "shopping" in the exchanges for health insurance options.
The idea is that the exchange system will promote more price competition between insurance companies, and since the government regulates the exchange, it can exert downward cost pressure on them, too. Participants will have to demonstrate, for instance, that they're spending the majority of their money on providing health care services, rather than on overhead. But Seattle may lead the way in cost competition for another reason entirely. HR 3590, the Patient Protection and Affordable Care Act, allows flat-fee direct primary care practices ("medical homes") into the exchanges.

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Health care reform bill 101: rules for preexisting conditions


The health care reform bill outlaws denial of insurance to those with preexisting conditions. But this change won’t take full effect for years. In America, people with health problems but no health insurance long have struggled to find and afford coverage. To those with such preexisting conditions, America’s health system has seemed, at the least, capricious: Why has it been so hard to get insurance when you need it most?. nsurers have seen this same problem from another viewpoint. Selling coverage to someone with a preexisting condition might be a bit like selling auto insurance to a driver who wants help with an already-dented car. Insurance is meant to protect someone against future events, not pay for things that have already occurred. Well, the healthcare reform bill signed into law Tuesday by President Obama will end this situation by outlawing denial of insurance coverage to those with preexisting conditions. It is one of the most popular individual provisions in the entire 2,000-plus-page legislation. But this change won’t take full effect for years. The rollout starts with children.

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