Pre-Existing Conditions

The major health insurers held a hot-ticket event yesterday – first United Healthcare announced that it would retain key patient protections and health coverage guarantees, no matter how the Supreme Court rules on the Affordable Care Act, and by mid-afternoon it seemed like all of the other health plans wanted to be at the party, too.  

First, United Healthcare kicked off the festivities in grand style by promising that it would continue to cover preventive care without requiring patients to make copayments, allow young adults to stay on their parents’ health plans as dependents through age 26, and continue to follow the new law’s ban on lifetime benefit limits. United will also continue to enforce patient rights through a streamlined appeals process and will not seek to rescind a member’s coverage after they become sick (except in cases of a fraudulent insurance application).

Other insurance plans wanted to join the party. As the day wore on, Humana and Aetna announced that they would continue to honor identical or near-identical reforms, with Aetna emphasizing that they would also continue working with hospitals, doctors and other health providers to develop innovative delivery system reforms – another hallmark of the new law. The national Blue Cross Blue Shield Association “encouraged” local Blues plans to continue to honor these provisions from the ACA.

Other plans, such as CIGNA and Wellpoint, weren’t sure that they wanted to join the festivities. But most importantly, one type of guest wasn’t invited to the party at all. Namely, sick people. Read more »

This blog post is a part of NWLC’s Mother’s Day 2012 blog series. For all our Mother’s Day posts, please click here.

Many of my friends will celebrate their first Mother’s Day being a mom this year. Others have recently expanded their families or have a first child on the way.

I’m happy that all these kids were born after the health care law was passed – because that means my friends can be secure that their kids will have access to health care. That includes my friend Robyn, whose son Jax had to have heart surgery when he was only three months old. Without the health care law, Robyn would have to worry about Jax hitting a lifetime limit on his insurance or being denied coverage for having a pre-existing condition.

The health care law also improves the health of women – like my friend Robyn and all my friends who are new moms.

Preventive Care with No Cost Sharing for New and Expecting Moms

All new health plans are already providing preventive services – such as cancer, diabetes and hypertension screenings – with no cost sharing. Starting this August, the list of preventive services will expand to cover women’s health services including many services important to expecting and new moms. These services include:

• Prenatal Care: Testing for gestational diabetes without cost sharing and a well-woman visit including prenatal care means that expecting moms will know what steps they need to take to have a healthy pregnancy.
• Breastfeeding Support and Supplies: New moms will have access to lactation counseling and rental of breastfeeding supplies without copays or deductibles. In addition to the preventive services, employers are now required to provide a clean space—that is not a bathroom—for new moms to pump.
• Contraceptive Coverage: The full range of FDA-approved contraceptive coverage, including birth control pills, rings, implants, tubal ligation and more will be provided by plans without cost sharing. This is important to new moms because birth control helps women plan pregnancies so moms can access preconception and prenatal care and space pregnancies to help have a healthy baby.

Read more »

Having a chronic illness is not easy. You have doctor appointments. Prescriptions to fill. Medical bills to sort through. Lab tests. Physical therapy exercises. Special diets. In some ways, a chronic illness can feel like a full-time job.

Ay, there’s the rub.

A chronic illness can feel like a full-time job, but millions of Americans depend on a full-time job for health insurance. So those of us with a chronic illness are often juggling two jobs – the one that pays the bills and provides the insurance and the one that racks up the bills and uses the insurance.

But what are we to do?

The individual insurance market is not a friendly place for the chronically ill. Once I had that first asthma attack as a child, the likelihood of getting coverage in the individual market took a nose dive.

The grass is not always greener on another plan. It’s difficult to give up a good employer sponsored plan when you don’t know what you will end up with. Access to my former employer’s insurance was an important factor in my decision to go to law school at night because I couldn’t take the chance that a student health plan wouldn’t cover my illness.

But things are changing. Read more »

Over the years I’ve worked with some leaders/employees who suggested, some more strongly, that we base employment related decisions such as hiring, promotion, benefits, terminations, etc. on an employee’s health. Read more »

This is what I remember about the Lunar New Year as a child: I got to stay up late to go to temple, people gave me money in red envelopes for no other reason than I was a kid, and a week of endless buffets with relatives. As an adult, this holiday has taken on a new meaning. Now, I can barely keep my eyes open for it to hit midnight, I send money home to stuff red envelopes for my nephews, and I organize my life around the Asian zodiac in a way that I mocked my parents for doing (sorry mom and dad).

Let me go back a little. I should start by saying that like many other Asian cultures, the Vietnamese use the Gregorian or Western calendar for our day-to-day activities, but still celebrate our New Year’s according to the lunar calendar. The Vietnamese New Year, our biggest holiday, is called Tet and follows the Asian zodiac, which means each year is associated with a different animal with a total of 12 animal years.

So for many Asian people, this week, not three weeks ago, starts our new year. And this year is like no other year – it’s the year of luck and fortune, also known as the year of the dragon. It’s believed that major events taking place during the year of the dragon are lucky. And a major event that people commonly aim for is having a baby. Read more »

We’ve all been there. We’ve said things that we meant at the time, only to encounter circumstances later that change our minds. If you have not had a chance to read Ms. Spike Dolomite Ward’s compelling apology to President Obama, please take a moment to hear her story: Read more »