So what’s included in Sec. 1201 of the Affordable Care Act, concerning the preexisting condition exclusion?
The Patient Protection and Affordable Care Act eliminates the use of a preexisting condition exclusion for plan years beginning on or after January 1, 2014. The term “preexisting condition exclusion” means, with respect to coverage, a limitation or exclusion of benefits relating to a condition based on the fact that the condition was present before the date of enrollment whether or not any medical advice, diagnosis, care, or treatment was recommended or received before that date.
Group or individual health insurance. The Affordable Care Act also clarifies the application of the preexisting condition exclusion to both group and individual insurance. Eliminating the use of a preexisting condition exclusion is the first of the standards for guaranteeing access to affordable coverage.
Effective date. Generally, this provision becomes effective for plan years beginning on or after January 1, 2014. However, the provision, as it applies to enrollees who are under 19 years of age, becomes effective for plan years beginning on or after September 23, 2010 (6 months after the date of enactment).
CCH Law, Explanation And Analysis Of Health Reform Act Available Soon
CCH's Law, Explanation and Analysis of the Patient Protection and Affordable Care Act of 2010 provides the most comprehensive and practical guidance available to professionals needing to make sense of this historic legislation. CCH editorial staff, together with leading experts, provide clear and practical guidance on the many new areas of compliance in the law, so professionals can quickly understand, comply with new requirements, and plan for the future. The book is available for $149.
For more information or to order, please call (800) 248-3248 or click here. Discounts are available for multiple copies.
0 comments
Post a Comment