Healthcare Reform Impacts Effective On Or After September 23, 2010
For your convenience, PMG has condensed the changes regarding impacts on Health Care Reform on or after 9/23/2010 into a few bullet points below. These revisions take effect for Major Medical plans issued on or after 9/23/10. Plans issued prior to 3/23/10 are considered “grandfathered” and will not receive the benefits below. Meanwhile, plans issued between 3/23/10 – 9/22/10 will not receive the benefits listed below until their renewal.
- Unlimited Lifetime Maximum - Lifetime maximums have been eliminated on all of our Major Medical plans.
- Annual Limits - We will remove annual limits as defined by national guidelines.
- Free Wellness Services - All in-network wellness services – as defined by national guidelines – will be covered first-dollar on an unlimited basis.
- Rescissions - The law prohibits rescissions on Major Medical policies, except in cases of fraud or material misrepresentation, which is how USL&H has always operated.
- Expanded Dependent Eligibility - We will begin accepting dependent children up to age 26 on Major Medical applications, regardless of student or marital status.
- No Pre-Existing Condition Limitations For Children Under The Age of 19 - USL&H has prepared for this provision by no longer accepting child-only applications on our Major Medical plans. However, we will continue to offer family policies with coverage for dependents under the age of 19.
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