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Several Healthcare Changes Effective September 23

Several changes are happening with healthcare reform that will affect plans beginning on or after September 23. Here's a quick look at the provisions, as...
September 21, 2010

Several changes are happening with healthcare reform that will affect plans beginning on or after September 23. Here's a quick look at the provisions, as compiled by WebMD:

  • Extending Coverage for Young Adults: Young adults can stay on a parent's plan until they turn 26. This doesn't apply to young adults who already have health insurance through a job.
  • Providing Free Preventive Care: New plans must offer free preventive services, such as mammograms and colonoscopies. This means they cannot charge you a deductible, co-pay, or coinsurance. (Note: This only includes new plans, not those already in effect when the health care reform law passed.)
  • Banning Insurance Companies from Rescinding Coverage: When someone with health insurance got sick, insurance companies would sometimes search for an error or other mistake on that person's application to deny coverage. That practice, known as recissions, will no longer be legal.
  • Appealing Insurance Company Decisions: Consumers will have two ways to appeal coverage decisions or claims: through their insurer or through an independent decision-maker. (Note: This only includes new plans, not those already in effect when the health care reform law passed.)
  • Eliminating Lifetime Limits on Insurance Coverage: Insurance companies can't set lifetime limits on key benefits, such as hospital stays. (Note: This only includes new plans, not those already in effect when the health care reform law passed.)
  • Regulating Annual Limits on Insurance Coverage: The law will restrict insurance companies' ability to set annual dollar limits on coverage for individual and group plans.
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