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Tuesday, April 1, 2014

 A PRAYER 
There has been a law created, Oh Diety, called the Affordable Care Act.  This law creates a Health Insurance Marketplace, a new way for individuals, families and small businesses to get health coverage.  It helps uninsured people find health coverage.  We beseech you, Oh Diety, to lend a helping hand in making sure all of our citizens receive this benefit.

NO!

It requires insurance companies to cover people with pre-existing health conditions.  Our insurance company can't turn us down or charge us more because of our pre-existing health or medical condition like asthma, back pain, diabetes, or cancer.

NO!

It helps us understand the coverage we are getting.  We have the right to get an easy-to-understand summary about a health plan's benefits and coverage.

NO! 

It holds insurance companies accountable for rate increases.  They are generally required to follow the 80/20 rule:  to spend at least 80% of the money they take in on premiums on our health care and quality improvement activities, instead of administrative, overhead, and marketing costs.

NO!  

It makes it illegal for health insurance companies to arbitrarily cancel our health insurance just because we got sick.  The health care law stops insurance companies from canceling our coverage just because we made a mistake on our insurance application. 

NO! 

It protects our choice of doctors, covers young adults under 26, and provides free preventive care.  We can choose any available primary care provider in our insurance plan's network.  We may be able to get insured under our parent's plan if we're under 26 ears old.  And there are many health plans that are required to cover certain preventive care services at no cost to us.

NO!  

It ends lifetime and yearly dollar limits on coverage of essential health benefits.  Insurance companies can't set a dollar limit on what they spend on essential health benefits for our care during the entire time we're enrolled in that plan.

NO! NO! NO!  

Wait a minute.  You aren't the Diety to whom we always pray.  Who are you anyway?  Who, did you say?  John Boehner?!  Ah, yes, that explains everything. 

(Source:  www.healthcare.gov) 


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