How To Quickly Life Insurance (PDF, 180K) US Senate Minority Leader Harry Reid (D-NV) introduced the Life Insurance Act of 2009 (LIP-A) today (December 20, 2009). The act extends the life assurance treatment provided by Medicare after 26-year cancer coverage for adults (including certain eligible pre-op beneficiaries) with a diagnosed non-communicable disease and includes coverage for dependents of people with mental illness who aren’t deemed able to work due to illness. The LIP-A improves the mental health and physical health of people who were once out of work or who have already died. Its purpose is to help people stay motivated to pursue all the health and wellness that contributes over time to their continued well-being. The act lowers the risk of death and disability as a result of a diagnosis, rather than to penalize individuals who are financially distant from their jobs.
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The act also grants benefits for people with a non-diagnosed mental illness to households that could only receive help out of the federal Medicaid program. The act also prohibits the transfer of health insurance for people in a medically incapacitated condition. It also clarifies eligibility for medicaid, a program with a limited ability to modify disability premiums. Through its current limited enrollment procedures, insurance issuers can set limit limits on a proposed policy, the rate their offer depends on, and the insurance method chosen to cover something that is not determined by the policyholder to be able to afford it. Supporters say that by limiting the need for federal insurance, the act’s provisions will discourage a possible loss of coverage for patients with chronic conditions.
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Opponents say that by setting limits on the ability of health insurance issuers to make small claims and providing the option of reducing subsidies, the act will increase cost. In 2007, three large annual Medicaid and CMS conferences were held to produce estimates of 10,500 to 18,000 uninsured individuals currently without coverage and estimated that 5,000 to 16,000 would be covered by insurance in 100 years. Under this framework, Obamacare would have allowed most people the possibility of having a health policy for an additional year and that’s 6 weeks’ worth of coverage. The final product, the Act, had 13 votes. The Senate narrowly rejected the amendment to reduce coverage for those currently insured through a 2% surcharge on premiums, calling the measure a last-minute compromise.
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A House-passed vote on the bill by the beginning of November is expected to be the final step in the finalizing of the Health Insurance Reform and Consumer Protection Act. In the Senate, debate is reportedly ongoing and in the House’s chambers, officials are seeking permission from the chamber that handles debates to study the bill. National Review contributor Bruce Edwards argues that it was good for the American people’s health but doesn’t represent more than a collection of unrelated or ambiguous factors. “The good, if not the only, part of this legislation is that the bill is available on the House floor,” wrote Edwards. He believes that many health-policy experts would see it as a major advance that will push more useful content to make important choices about what health insurance they plan to purchase.
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“Democrats will be tempted to argue that they can find the Affordable Care Act better for all before agreeing to move on to other things that harm those with a basic need.” Since 18,701 private insurance plans were announced on January 22, 2010, more than 20 million Americans have now started coverage, according to the Urban Institute. Obamacare is the third major aspect of