Equal Coverage

The below "bills" are two that I wrote back in 2001 in order to present before the Indiana Junior Chamber of Commerce in their mock legislation. If it had been passed into "Jaycee Law" the prize would have been that the "Jaycee Law" would have been sent before the Indiana General Assembly to be voted on for becoming an actual law in Indiana. Unfortunately, the events of 9/11/2001 ended the possibility for that year because the government was called into special session, delaying the Indiana Jaycees from performing that year. Shortly after that, I decided to end my membership with the local group. Although I have no legal background, it seems to me that the laws as they are now in place are a direct violation of the ADA. It is my hope that one day, someone somewhere will be able to present this to the Govt, and the discrimination based on a health condition will truly no longer exist. Angela

An Act

A Bill to require equal coverage to mental health needs as physical needs in Insurance Companies


Section 1: Many insurance companies only cover 50% of mental health expenses and 80% of other physical needs for their clients, IF they cover mental health issues at all. This non-coverage, or under-coverage, whichever the case may be, is a form of discrimination based on a disability and should therefore be recognized as illegal under the ADA Act of the United States of America. This lack of coverage keeps intelligent, able-bodied people from working full-time because they cannot afford to pay the difference in the medical expenses and medications. This leaves them in poverty, in part-time employment at best, on Medicaid Select, MedWorks and other Indiana Welfare Assistance Programs.



Section 2: So the Insurance companies will not lower the coverage for other clients in order to attain parity, the coverage that each institution holds for most illnesses on January 1, 2008 will be the minimum coverage amount to be given to those with mental illness and other disabilities.



Section 3: This bill will go into effect January 1, 2010. Since the Insurance Companies are in violation of the ADA, if they do not comply and adjust their policies accordingly, all non-complaint companies will be fined 800 million dollars. Said dollars will be used to offset the cost of the Medicaid Programs and other programs that are used to assist the mentally ill and those with other affected disabilities.

An Act


A Bill to cease Pre-existing Condition Clauses in Insurance Companies in the State of Indiana


Section 1: The Pre-existing Condition Clause, which bars medical coverage for any condition discovered before the client attempts to receive insurance coverage, is a form of discrimination against people with chronic health problems. It also invades the individual’s right to privacy concerning past medical conditions. Therefore, it should be illegal in the State of Indiana


Section 2: The Pre-existing Condition Clause drives people who need such coverage out of the workforce and into Government Assistance Programs such as Medicaid Select, MedWorks, and other forms of welfare because they are unable to pay for needed medical care, even with full-time employment.


Section 3: This Bill Will go into Effect January 1, 2010 with fines of 450 million dollars minimum to all non-compliant insurance companies. Said dollars will go to offset the cost of Indiana Medicaid Programs.