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| July 1st, that's when certain provisions of President Obama's health reform package kick in. |
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| Joining us with some details on this, Andrew Ruben, an expert on the health care industry. |
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| He also hosts the weekly show, "Healthcare Connect" on Sirius Satellite Radio. |
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| Good to see you, Andrew. |
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| All right. So, give us an idea who needs to be paying attention to what happens on July 1st? |
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| Well, a lot of people need to be paying attention because this is really the first big initiative of health care reform. |
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| But in particular, if you have been uninsured for the past six months because you have -- |
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| for at least six months because you have a preexisting condition, you're going to be able to apply through your individual state or the federal government, |
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| for health care insurance,which you haven't been able to get. |
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| And how do you know? I mean, it's not that simple. Then there are other qualifications as to how you would be considered high-risk, so to speak. |
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| Sure. You know, like everything else in health care, it is extremely complicated. |
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| But here's what you need to know, because there's still a lot we don't know, like what specifically qualifies as a preexisting condition. |
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| The secretary of health and human services is going to start putting that information out this week. |
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| But we know -- what we know is if you've been excluded from having health insurance for at least six months, |
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| you can go on to our individual state Web site and look online and see if you can fill out an application, |
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| if you qualify for subsidized -- for health care insurance. |
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| It's not really subsidized. What it is, it's health insurance that the states are going to charge you that are subsidized by the federal government. |
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| So it will be a little bit cheaper than existing state high-risk programs if your state even has a high-risk program. |
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| OK. And there's still premiums involved. How much will it, you know, likely cost for a premium, |
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| if you indeed qualify, and if you're considered high-risk? |
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| That's a great question. |
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