4c4da195_Comparison_Summary__National_Health_Care_Reform
[Issue] Discrimination against Illinois families based on preexisting conditions [Current Illinois Law] Individual/Family Policies - NONE Under current Illinois law, an individual can be denied health insurance for any reason other than “race, color, religion, or national origin.” (215 ILCS 5/424) In 2009, one healthy mother was denied coverage because she sought grief counseling after the death of her husband. Health insurance companies may permanently exclude coverage for a specific condition, or deny claims for otherwise covered medical treatments on the grounds that a condition was preexisting. Group Policies State and federal laws require insurance companies to accept every small employer (2-50 employees) that applies for coverage. Employers with 51 or more employees do not benefit from the same protection. (215 ILCS 97/40) State and federal laws provide some protections against preexisting condition exclusions, but employees and family members enrolled in a group policy may still have claims reduced or denied for preexisting conditions. (215 ILCS 97/20) [National Health Care Reform] 
2010 Health insurance companies will be prohibited from denying claims for covered children under age 19 due to the presence of a preexisting condition. The U.S. Department of Health and Human Services will provide guidance as to whether PPACA requires health insurance companies to provide coverage to all dependent children under age 19 regardless of health status. 2014 Health insurance companies will be required to accept every employer and every individual that applies for coverage, regardless of health status. Health insurance companies will be prohibited from denying claims for any enrollee based on a preexisting condition. Health insurance companies will not be able to charge more or less based on health status.
Comparison Summary
National Health Care Reform