Many companies, including Prudential, MetLife, Allianz and others, have stopped selling new long-term care policies altogether and those with existing coverage are experiencing hikes in their premiums by as much as 40%.
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The indemnity will apply only to those operators that already carry such coverage, only to the limits of their existing terms and conditions and the portion of existing coverage that will not be offered in commercially available insurance policies.
The new law will prohibit insurance companies from denying coverage to any woman because of a pre-existing condition, excluding coverage of certain conditions or discriminating against her because of her gender.
For example, it has stopped insurers from excluding pre-existing conditions from coverage for children, and they can no longer cancel policies for any reason other than fraud.
These reforms include requiring insurers to offer coverage to those with pre- existing conditions, to extend coverage to dependents up to age 26, and to eliminate lifetime coverage caps.
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And while insurance companies will be prevented from denying coverage on the basis of pre-existing conditions once the exchange is open, in the meantime there will be a high risk pool where people with pre-existing conditions can purchase affordable coverage.
The House bill includes Democratic proposals for a public option, mandates that people be insured and that employers provide coverage, and eliminates a pre-existing condition as a reason to withhold coverage.
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Insurance plans cannot exclude pre-existing medical conditions from coverage for children under age 19, although insurers could still reject those children outright for coverage in the individual market until 2014.
While acknowledging the growing problem of waste, European industry had lobbied hard against the proposal, particularly its coverage of existing or historical waste, warning that it would represent an enormous financial burden that would ultimately boost prices for consumers.
Coverage for Americans with Pre-Existing Conditions: A major impact of the Court's decision is that 129 million people with pre-existing conditions will have the security of affordable health coverage.
It is one of only two workable solutions to providing health care coverage to those with pre-existing medical conditions and the only one that would leave insurance coverage in the hands of the private market.
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The law establishes a staged series of reforms over several years, including banning insurance companies from denying coverage to people with pre-existing conditions, forbidding insurers from setting a dollar limit on health coverage payouts, and requiring them to cover preventative care at no additional cost to consumers.
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In place of creating a national health system, the law bans insurance companies from denying coverage to people with pre-existing medical conditions, bars insurers from setting a dollar limit on health coverage payouts and requires them to cover preventive care at no additional cost to consumers.
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The markets will fill in until coverage largely matches the existing nationwide 3G footprint.
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Responsible managers should carefully review existing policies to determine if suitable coverage already exists.
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Other insurers might deign to sell a policy but exclude coverage for pre-existing medical conditions.
You won't be denied coverage for pre-existing conditions or charged for preventive care, such as mammograms.
It would also cap annual out-of-pocket expenses and prevent insurance companies from denying coverage for pre-existing conditions.
The most important of the other portions are guaranteed issuance and the prohibition of exclusions of coverage for pre-existing conditions.
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Obamacare does make insurance cheaper for the small number of Americans who have pre-existing conditions and have been denied coverage by insurers.
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It bars discrimination and pre-existing conditions from precluding health care coverage.
Both parties agree on major aspects of health care reform, including a halt to insurance company practices of denying coverage for pre-existing conditions and capping the annual out-of-pocket expenses of consumers for health care.
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He argues his Massachusetts law was right for the state but never intended as a federal solution, but he also calls for keeping some popular provisions of what is known as Obamacare, such as preventing insurance companies from denying coverage for pre-existing conditions.
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Although popularly sold as a means of reducing overall health-care costs, the creators of the ACA knew that the inclusion of such provisions as the mandatory coverage of pre-existing conditions and the setting of premiums based on average costs rather than actuarial costs would necessarily increase the total cost of such coverage.
Mr. Starr, who broadly supports the Obama administration's efforts to overhaul the health system, has suggested that Democrats consider a system in which anyone who doesn't get insured can sign away access to the law's subsidies, insurance exchanges for buying policies and guaranteed coverage of pre-existing medical conditions for five years, rather than pay the fee.
A. In addition to the coverage provided under the existing Nissan New Electric Vehicle Limited Warranty, this expanded warranty applicable to LEAF vehicles in the United States will protect against capacity loss in LEAF batteries that falls below nine bars, of the available 12 bars displayed on the vehicle's battery capacity gauge, for the first 5 years or 60, 000 miles, whichever comes first.
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If upheld, the law would forbid insurance companies from denying coverage because of pre-existing medical conditions.
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And everyday they deny people coverage because of pre-existing conditions or the result of genetic testing.
It will be illegal for insurers to deny coverage due to pre-existing conditions like pregnancy or cancer.
And while we agreed that Americans with pre-existing conditions should be able to get coverage, we disagreed on how to do that.
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