Here is an LA Times article worth reading that goes into what will NOT change under reform and that is the ability for insurers to deny care. Yes they may be mandated to cover you but that may not stop them from denying you.
Congress would give patients little new power to challenge life-and-death decisions. Congress, in promoting cost containment and price competition, may actually add to the pressure on insurers to deny requests for treatment. Reform will make it more difficult for insurers to control their costs. According to the Times that “leaves insurers with the other big cost-containment tool: turning down requests to cover treatments.”