Health Care Reform: The Who, What and When

Reforms Already in Effect Insurers cannot impose pre-existing condition exclusions for children, remove coverage when a member becomes ill (except in cases of fraud or intentional misrepresentation) or impose lifetime coverage limits. Non-grandfathered health plans must cover preventive care services without deductibles or other cost-sharing and children can remain on their parent’s health coverage until…

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Employer’s Responsibility to Educate Employees on the ACA

A 2013 employee benefits study found that 75% of employees think their employer will educate them about changes to their health care coverage as a result of healthcare reform.   These ACA topics include employer compliance provisions that involve employee communications: Exchange Notice Requirement – Employers, regardless of whether they offer a health plan, are…

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