Changes in health care reform

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Toll Free Number 1-877-549-1212
www.onesourcebenefits.com
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Changes in Health Care Reform
Toll Free Number 1-877-549-1212
www.onesourcebenefits.com
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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
www.onesourcebenefits.com
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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 childrens coverage.

Toll Free Number 1-877-549-1212
www.onesourcebenefits.com
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• 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• A policy can be rescinded (canceled) only if the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 doesnt 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
www.onesourcebenefits.com
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Everyone can be prepared for the change, by
staying informed on what is happening!
Toll Free Number 1-877-549-1212
www.onesourcebenefits.com
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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
www.onesourcebenefits.com
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• There will be a requirement to have a minimum
  amount of health insurance coverage. Those who
  dont may have to pay a fine. There are some
  exceptions.
• People who dont get health insurance at work
  will be able to shop for it through an exchange.
• All plans will cover certain key benefits. There
  wont 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
www.onesourcebenefits.com
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