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AAFF

The Asian American Federation of Florida (AAFF) is a 501(c)(3) coalition that aims to unity and collaboration among the various Asian Pacific American organizations and to improve the relationship of a culturally diverse Asian Pacific American community in Florida. The AAFF is a statewide organization made up of more than 70 Bangladesh, Burmese, Cambodian, Chinese, Filipino, Indian, Iranian, Korean, Laotian, Taiwanese, Thai, Turkish and Vietnamese community-based organizations, businesses and media.

Key Provisions of Health Reform that Take Effect Immediately

 

1) Small Business Tax Credits

     Offers tax credits to small businesses to make employee coverage more affordable.  Tax credits of up to 35 percent of premiums will be available to firms that choose to offer coverage.  Effective beginning calendar year 2010.  (Beginning in 2014, the small business tax credits will cover 50 percent of premiums.)

2) No Discrimination Against Children with Pre-Existing Conditions

     Prohibits new health plans in all markets plus grandfathered group health plans from denying coverage to children with pre-existing conditions.  Effective 6 months after enactment.  (Beginning in 2014, this prohibition would apply to all persons.)

3) Help for Uninsured American with Pre-Existing Conditions until Exchange is Available (Interim High-Risk Pool)

     Provides access to affordable insurance for Americans who are uninsured because of a pre?�existing condition through a temporary subsidized high-risk pool.  Effective in 2010.

4) Ends Recissions

Bans insurance companies from dropping people from coverage when they get sick.  Effective 6 months after enactment.

 5) Begins to Close the Medicare Part D Donut Hole

     Provides a $250 rebate to Medicare beneficiaries who hit the donut hole in 2010.  Effective for calendar year 2010.  (Beginning in 2011, institutes a 50 percent discount on prescription drugs in the donut hole; also completely closes the donut hole by 2020.)

6) Free Preventive Care under Medicare

     Eliminates co-payments for preventive services and exempts preventive services from deductibles under the Medicare program.  Effective beginning January 1, 2011.

7) Extends Coverage for Young People up to 26th Birthday through Parents' Insurance

     Requires new health plans and certain grandfathered plans to allow young people up to their 26th birthday to remain on their parents??insurance policy, at the parents' choice. Effective 6 months after enactment.

8) Help for Early Retirees

     Creates a temporary re-insurance program (until the Exchanges are available) to help offset the costs of expensive premiums for employers and retirees for health benefits for retirees age 55>.  Effective in 2010.

9) Bans Lifetime Limits on Coverage

     Prohibits health insurance companies from placing lifetime caps on coverage.  Effective 6 months after enactment.

10) Bans Restrictive Annual Limits on Coverage

     Tightly restricts the use of annual limits to ensure access to needed care in all new plans and grandfathered group health plans.  These tight restrictions will be defined by HHS. Effective 6 months after enactment.  (Beginning in 2014, the use of any annual limits would be prohibited for all new plans and grandfathered group health plans.)

11) Free Preventive Care under New Private Plans

     Requires new private plans to cover preventive services with no co-payments and with preventive services being exempt from deductibles.  Effective 6 months after enactment.

12) New, Independent Appeals Process

     Ensures consumers in new plans have access to an effective internal and external appeals process to appeal decisions by their health insurance plan.  Effective 6 months after enactment.

 13) Ensures Value for Premium Payments

     Requires plans in the individual and small group market to spend 80 percent of premium dollars on medical services, and plans in the large group market to spend 85 percent.  Insurers that do not meet these thresholds must provide rebates to policyholders.  Effective on January 1, 2011.

14) Community Health Centers

     Increases funding for Community Health Centers to allow for nearly a doubling of the number of patients seen by the centers over the next 5 years.  Effective beginning in fiscal year 2011.

15) Increases the Number of Primary Care Practitioners

     Provides new investments to increase the number of primary care practitioners, including doctors, nurses, nurse practitioners, and physician assistants.  Effective beginning in fiscal year 2011.

16) Prohibits Discrimination Based on Salary

     Prohibits new group health plans from establishing any eligibility rules for health care coverage that have the effect of discriminating in favor of higher wage employees.  Effective 6 months after enactment.

17) Health Insurance Consumer Information

     Provides aid to states in establishing offices of health insurance consumer assistance in order to help individuals with the filing of complaints and appeals.  Effective beginning in fiscal year 2010.

 18) Holds Insurance Companies Accountable for Unreasonable Rate Hikes

     Creates a grant program to support States in requiring health insurance companies to submit justification for all requested premium increases, and insurance companies with excessive or unjustified premium exchanges may not be able to participate in the new Health Insurance Exchanges.  Starting in plan year 2011.

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