Pre-existing Medical conditions
Beginning in January 2014 health plans will be prohibited from using pre-existing conditions as a reason to deny coverage to an individual. For children under the age of 19 this provision goes into effect on the plan year beginning on or after September 23, 2010. As of October 1, 2010, coverage for children will not be denied based on medical history.
The new law prohibits lifetime maximum limits beginning January 1, 2011.
For plan years beginning on or after September 23, 2010, the new law requires that certain preventive services are covered without any cost-share requirements from the insured.
As the Department of Health and Human Services releases further rules and guidelines, changes to health insurance plans will be necessary and will be announced on this blog.