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6 ways Obamacare may help you in 2010
 
 Link

 Excerpt:
1. Your health insurer can't drop you for making a mistake 
In some cases when people have filed claims, their coverage was rescinded by the insurance company
because of inconsistencies in the original application. The new law will require insurers to prove that fraud 
or intentional misrepresentation of a material fact occurred for example, the person filing the claim 
deliberately concealed an existing illness in order to rescind coverage after a claim is filed. 

2. A child can stay on your health plan longer 
If there's a recent high school or college grad in your family who's struggling to land a job, you can choose
to keep the child on your health care plan until his or her 26th birthday. For plan years beginning prior to 
January 1, 2014, this provision is not applicable if the child would become eligible to enroll in employer-sponsored coverage. 

3. Your child can't be denied health coverage due to a pre-existing condition 
If you change health insurers for example, you get a new job and switch to the plan offered by your 
new employer your child cannot be denied coverage for a pre-existing condition. This provision will also 
apply to adults in 2014. In addition, your insurance company can no longer revoke your existing policy if you become sick. . 

4. Your total coverage will have no cap 
Many health care plans are sufficient until something really devastating happens to your health. A severe
illness or accident can result in medical bills that exceed the total amount of coverage your policy provides 
(the so-called "lifetime limits"). But the new law prohibits insurers from limiting the total dollar value that can 
be paid to any one insured individual.  

5. You may get a rebate for some Medicare drug costs 
The health care bill gradually closes the Medicare prescription drug coverage gap known as the "donut hole." 
If you're covered by Medicare, you may already be familiar with the donut hole if you've spent $2,830 or more 
on prescription drugs in a given year. That's when Medicare stops paying for your prescriptions that is, until 
you've spent an additional $3,610 that year (2010 figures).1 This is when "catastrophic coverage" kicks in, 
which means you only pay 5% of the retail cost for medications through the remainder of the calendar year.
The donut hole can have a huge impact on someone who's living on a budget. But now if you're affected by
this coverage gap in 2010, you can look forward to a $250 rebate check from the federal government to 
defray at least part of your drug expenses. And in 2011, this benefit will be expanded even further; once you 
fall into the donut hole, you will be eligible for a 50% discount on certain brand-name prescription drugs. 

6. If you're a small business owner, you may receive a tax credit 
Qualifying employers who pay at least 50% of the cost of their employees' health insurance premiums may 
receive a tax credit to make coverage more affordable. The credit amount will depend on the size of the business,
the number of employees and the average annual wages paid. For example, if you employ no more than 25 individuals 
with an average annual wage of less than $50,000, and you contribute at least 50% of the premium cost, you may 
be eligible for a tax credit up to 35% of that contribution. This tax credit will be even more substantial in 2014
for up to 50% of the contribution amount. 
 

Hmmm, companies like Ameriprise (formerly American Express) 
generally don't like Democratic plans for anything.
 
 

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