Obama plan mandating health insurance

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COBRA continuation coverage COBRA provides certain former employees and their dependents the right to continue coverage for a maximum of 18 to 36 months.

Coverage of adoptive children Certain health plans must provide coverage to children placed with families for adoption under the same conditions that apply to natural children, whether the adoption has become final or not.

For example, most states mandate coverage for chiropractors, but the number of allowed visits may vary from state to state.

One state may limit the number of chiropractor visits to four each year while another state may allow up to 12 chiropractor visits each year.

Reconstructive surgery after mastectomy A health plan must provide someone who is receiving benefits related to a mastectomy with coverage for reconstruction of the breast on which a mastectomy has been performed.

Americans with Disabilities Act (ADA)Disabled and nondisabled individuals must be provided the same benefits with regard to premiums, deductibles, limits on coverage, and pre-existing condition waiting periods.

Trying to figure out how a mandated benefit will impact an insurance premium is very complicated.

The mandate laws differ from state to state and even for the same mandate, the rules and regulations may vary.

Most people – whether for or against mandates – agree that mandated health benefits increase health insurance premiums.

Depending on the mandated benefit and how that benefit is defined, the increased cost of a monthly premium can increase from less than 1% to more than 5%.

If someone who has a medical problem goes without necessary health care because it is not covered by her insurance, she may become sicker and need more expensive services in the future.