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Changes in health care reform

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Know about the key changes in health care reforms that began in March 2010. For more information, please visit:

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Toll Free Number: 1-877-549-1212

changes in health care reform
Changes in Health Care Reform

Toll Free Number: 1-877-549-1212

changes began in march 2010
Changes began in March 2010...
  • It is important to note that if your health insurance plan was already in effect on March 23, 2010 you may have a grandfathered plan.
  • A grandfather plan means that all the changes taking place may not affect you, so you can decide if you would like to change your plan or keep the one you have.

Toll Free Number: 1-877-549-1212

key changes taking place
Key Changes taking place
  • “Young adults can stay on their parents plan until they turn 26, or later if state allows it.
  • Lifetime dollar limits on key benefits like hospital stays no longer apply.
  • For many plans, annual dollar limits on key benefits like hospital stays no longer apply.
  • Children younger than 19 can get coverage even if they had a disability or illness before signing up for coverage. (Some states have further defined the rules for children’s coverage.

Toll Free Number: 1-877-549-1212

Certain preventive services like vaccines are covered 100% in network.
  • Health Plans have new features the law calls “patient protections”.
  • Members have more rights to appeal health plan decisions about health benefits and eligibility for coverage.
  • A policy can be rescinded (canceled) only if the member intentionally misrepresents material facts or is involved with fraud.
  • Members may be eligible for a rebate if their plan doesn’t spend at least 80% of premiums on medical care and quality improvement during the year (some states have a different percent).

Toll Free Number: 1-877-549-1212

Everyone can be prepared for the change, by staying informed on what is happening!

Toll Free Number: 1-877-549-1212

changes continued
changes continued...
  • Members get more access to information about rate changes that have been reviewed by the state or federal government.
  • Members who have a healthy savings account (HSA) can use HSA money for over-the-counter medications only if they have a prescription.
  • Members pay a higher tax rate if they use HSA money for unapproved items.
  • Benefit summaries will start to use a standard format that makes it easier to compare plans.
  • Regardless of health history, everyone will be eligible to apply for coverage. There may be required “open enrollment” periods.

Toll Free Number: 1-877-549-1212

There will be a requirement to have a minimum amount of health insurance coverage. Those who don’t may have to pay a fine. There are some exceptions.
  • People who don’t get health insurance at work will be able to shop for it through an exchange.
  • All plans will cover certain key benefits. There won’t be an annual dollar limit on these benefits.
  • New pricing rules take effect and routine patient costs for clinical trials of life-threatening diseases will be covered.”

Toll Free Number: 1-877-549-1212