#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.
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