Pennsylvania health insurance : Rendell takes action by EasyToInsureMe

With the four strokes of his pen, Pennsylvania Gov. Ed Rendell took action on four health care reforms in the state, including the expansion of COBRA health and increasing the age limit for a dependent coverered under a parent’s health plan.
Three of the four bills Rendell signed June 10 were part of his “Prescription for Pennsylvania” series of reforms and another, the expansion of the COBRA program, was originally proposed as a part of a package of health care bills by Senate Republicans.

Rendell praised the work of the legislature in “working together to pass these bills which will help provide health care coverage for thousands of uninsured Pennsylvanians, reduce the cost of health care and will improve health care quality for all Pennsylvanians,” he said in a statement.

Over the last few years, Rendell and the Senate Republicans have battled over his desire to expand health coverage in the state.

SB 189 allows uninsured single, adult children up to age 30 to be covered by their parents’ health insurance plan. Parents must pay the premiums and coverage hinges on an employer’s willingness to offer the benefit to employees with children.

The bill takes effect in six months and coverage will be on a rolling basis after that as contracts are renewed, according to the governor’s office.

The expansion comes amidst research last year that 40% of the state’s total uninsured population, or 383,298 residents, are between the ages of 19 and 29. The new legislation will help reduce that number, Rendell said.

“[This bill] will be the answer to the prayers of parents whose kids will be graduating from college and will be kicked off their health insurance policies because they’ve reached the maximum age,” the governor said. “Parents and kids are stressed because the kids are now uninsured and are having trouble finding jobs, with health insurance, due to the current economic situation.”

HB 109 expands federal COBRA law to Pennsylvania businesses with fewer than 20 employees through a “mini-COBRA” program. The bill allows these employees to continue receiving health insurance at the business’ expense for up to nine months.

Legislators piggybacked on the federal stimulus plan, which permits employees who lose their jobs and qualify for COBRA to receive a government subsidy of 65% for their care. In Pennsylvania, small business employees who lost their jobs between July 10 and Jan. 1, 2010, will be eligible for the subsidy.

Rendell said this bill will help “relieve the worry” of small business employees about to lose their job and now have the opportunity to keep health coverage while searching for new employment.

The other bills signed by Rendell were HB 84, prohibiting health care providers from seeking reimbursements for a serious, preventable medical error, or “never events,” and SB 89, reauthorizing the Pennsylvania Health Care Cost Containment Council (PHC4), which the governor called “the nation’s premier health care data collection and reporting agency.”

The Pennsylvania Association of Health Underwriters, a trade group representing many Pennsylvania health insurance agents and brokers, had lobbied in support of three of the bills signed by the governor. They were the bills prohibiting providers from filing insurance claims for adverse foreseeable events, the COBRA expansion and the reauthorization of the PHC4, according to its contract lobbyist, Vince Phillips.

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COBRA Insurance On The Rise In The US by Harveen Singh

There may in fact be a number of downsides when it comes to losing your job. One of the things that may in fact not come to you mind is certainly the loss of your health insurance but there certainly is a form of health insurance that you certainly can rely upon. Cobra insurance may certainly sound very much odd as far as health insurance names are concerned but it certainly is an abbreviation of the legislation that has simply given rise to the insurance coverage that fits perfectly for those people who have simply lost their jobs.
Cobra insurance options are certainly designed to create a bridge between most of the health insurance plans that is provided by most of the employers. If you put it in much simpler terms it acts as a safety net for most of the persons who actually lose their jobs and in turn have medical needs. Most of the importance of these bridges can simply not be understated as most of the people certainly do have spouse and children that certainly need care.

The program of cobra insurance also manages to create a bridge for most of the health insurance by simply helping them to extend the plan of their former employers. So if you are really interested then you can always try to find out more about cobra insurance rates and cobra insurance options. So even if you resign or lose your present job you can always take full advantage of this cobra insurance. The law simply lets you stay on the previous cobra insurance plans for next 18 months. But the law simply applies to only those companies that have more than 20 employees.

Cobra insurance is simply not a free ride. Premiums have certainly to be paid and also maintained. Although most part of the cobra insurance plan is from previous employer but you may never have to foot the bills. So if you can try to find out more details of the cobra insurance options you can always try searching for cobra insurance online to know some of the best cobra insurance rates and plans. You can in fact take the coverage plan so that your spouse and children can also get the benefits of it. Even if you do not want to take the advantage your spouse can still.

Most of the laws that are simply related to cobra can be very much flexible. Certain exceptions may also forbid you from take part in the cobra insurance plans. In many cases you may in fact not be able to get coverages from Cobra but there are certain laws that you can go for to get the coverages of certain book that are in fact very much similar to cobra insurance. You can always try to search for cobra insurance online and get more details about the cobra insurance rates and cobra insurance options. If you can try to get the coverages from one of those insurance policies then you certainly can gift your family with it.

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