Provisions of the new health care legislation kicked in Thursday for many but not all Americans. Many of the new requirements begin with plan years starting on or after September 23. However if your plan’s year starts later, that’s when the changes start.
AARP spokesman Patrick Cobb says one of the key benefits provided by the legislation that passed on March 23 is free preventive care.
He says persons should check their coverage because plans that existed before the law passed on March 23 must meet only some of the new requirements.
Cobb says especially important during a tough economy are the new provision that allows young adults to stay on their parents’ policies until their 26th birthday. Cobb adds that insurers can no longer deny coverage to children because of pre-existing conditions.
Companies in some states have argued that the new requirement to insure children with pre-existing conditions will lead to unpredictable costs and they may decide to stop selling such policies. Their decision to stop selling such policies won’t affect existing plans.
Cobb says the free preventive care provision will go a long way in helping persons, including retirees, lead healthier lives. Other provisions consumers may find important are lifetime limits or caps to coverage will be eliminated for plans issued on or after September 23. Also, if you go to an emergency room outside your plan’s network, you cannot be charged extra.