For Group Insurance Plans
This is a brief description of changes effective 9/23/10. Most of these changes will occur with your next renewal:
- Preventive benefits with no cost sharing. This means preventive benefits will be covered at 100% with no deductible or co-pay. If your plan is grandfathered, which means it is exactly the same plan as before Health Care Reform was enacted on March 23, 2010, the new preventive benefit provisions will not apply until 2014.
- Plan Maximums for Essential Benefits will be Unlimited. However, Essential Benefits are yet to be determined.
- Dependents may now be covered up to Age 26 even if not full-time students or if they are married. Of course, in Florida we cover to Age 30 and we are still waiting to see how the various insurance companies handle the requirements for dependents between Age 26 and Age 30. Most insurance companies enacted this benefit early in June of this year.
- Children under age 19 will be covered for pre-existing health conditions. Again, this is not new for us in Florida.