Health Insurance Changes effective September 23, 2010

Posted on February 20, 2014 by

After Congress passed the Patient Protection and Affordable Care Act last March, one of mandates will take effect this September 23, 2010.

The new changes to health care include:

1. Coverage cannot be denied to children with pre-existing conditions. Health insurance companies can no longer deny coverage for children age 19 and younger with serious medical conditions. However, be prepared for increases in your monthly premium.

2. Extending the age limit of young adults. Young adults are now able to remain on their family’s health insurance plan up to age 26 as long as they do not have coverage through their employer.

3. Free coverage for preventative care. This entails that insurance companies cannot include charges for deductibles, office visit co-pays, or co-insurance for services such as: immunizations, mammograms, colonoscopies, and other basic preventative screening.

4. Insurance Companies rescinding coverage is now illegal.  If a policyholder became sick while their policy was in force, insurance companies would search for errors and/or technical mistakes on the policyholders application to use a pretext to deny coverage.

5. No more Lifetime and Annual dollar limits. Insurance companies can no longer enforce maximum lifetime and annual benefit dollar amounts.

6. External review included on appeals on coverage. Policyholders can now appeal coverage decisions or claims through their insurer and through an independent external reviewer.

If you are concerned and would like to discuss your options regarding your health coverage, please feel free to contact me at (800) 373-8781.


S. Brett Anderson, President

Allsure Insurance Agency

Posted in Texas Life and Health Insurance | 0 Comment