Universal Health Insurance Act of 1989

[AI summary unavailable — showing source text] Universal Health Insurance Act of 1989 - Adds a new title XXI to the Social Security Act entitled "Basic Health Insurance." Provides, under title XXI, for: (1) the establishment of one or more service areas within each State to deliver health care services; (2) the establishment of benefit standards; (3) the selection of carriers through competitive bidding; and (4) outreach services. Directs the Secretary of Health and Human Services in establishing the benefit standards to include the types of coverage normally provided by health insurance plans, including maternity, prenatal, and postnatal care and catastrophic protection. Provides that every U.S. national and lawfully admitted alien shall be eligible to enroll with a participating carrier. Determines the annual premium for such insurance by the use of a formula which takes into account an individual's income and net assets so that such premium increases with one's wealth. Provides that coverage under a title XXI plan shall: (1) be secondary in payment to any other insurance or benefit plan; and (2) not require any evidence of medical insurability or restrict coverage because of a preexisting condition or previous treatment. Pro…