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September 23rd Reform Changes
Monday, August 23, 2010
The Patient Protection and Affordable Care Act (the Affordable Care Act) requires that individual health policies sold Sept. 23, 2010 or later include all consumer protections as detailed in the Affordable Care Act. The Affordable Care Act allows policies sold prior to Sept. 23, 2010 to transition to the new consumer protections at the beginning of the next policy year. Policies effective on or before Mar. 23, 2010 could be classified as “grandfathered” policies; meaning that the policy may not include certain protections of the Affordable Care Act that apply to other individual health policies.
These are the four new changes being implemented on 09/23/2010
- Elimination of annual and lifetime dollar limits on benefits
- Extension of the dependent age limit to age 26
- Elimination of preexisting condition exclusions for individuals under the age of 19
- 100% coverage for certain preventive and well care services
