Toll Free Number: 1-877-549-1212 www.onesourcebenefits.com
Changes in Health Care
Reform
Toll Free Number: 1-877-549-1212 www.onesourcebenefits.com
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
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 www.onesourcebenefits.com
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A policy can be rescinded (canceled) only if the member intentionally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 www.onesourcebenefits.com
Everyone can be prepared
for the change, by staying
informed on what is
happening!
Toll Free Number: 1-877-549-1212 www.onesourcebenefits.com
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
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 www.onesourcebenefits.com
Thank You
www.onesourcebenefits.com
Toll Free: 1 (877) 549-1212