Health Care Reform Changes: The Top 10 Things Employers Need To Do Now

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#1. Determine if health care reform rules apply to your plan(s):

Apply to most group health plans; Do not apply to retiree-only group health plans; Do not apply to limited scope dental or vision plans; and, Do not apply to specified disease plans.

#2. Decide if your plans can and should be grandfathered:

In effect on March 23, 2010? Applies to each benefit package; Certain market reform rules apply whether or not grandfathered; Certain cost sharing limits required to remain grandfathered; Exempt from certain coverage and benefit changes if grandfathered; and, Exempt from new claims procedures if grandfathered.

#3. Adopt design changes that apply whether or not plans are grandfathered:

Expansion of coverage to adult children to age 26;

Elimination of lifetime maximums on essential health benefits;

Phase out of annual limits on essential health benefits; Elimination of certain pre-existing condition limitations; And, Prohibition on rescissions of coverage.

Please see full alert below for more information.

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Published In: Administrative Agency Updates, Health Updates, Insurance Updates, Labor & Employment Updates

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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