Healthcare Reform

As of September 23, 2010, the following provisions have been added to all group and individual healthcare policies.

  • No lifetime maximums.
  • Adult children can remain on parents’ plans up to 26th birthday (NO accredited school enrollment required).
  • No pre-existing conditions applied to children up to age 19.
  • Level A & B preventive care is covered by carrier at 100% (Note: Level A & B has NOT been publicly defined. Check with your carrier to ensure what qualifies).

Another aspect of healthcare reform going into effect on January 1, 2011, is that over-the-counter MEDICATIONS will NO LONGER be allowed to be purchased with flexible spending accounts (cafeteria plans) or with Health Savings Account dollars. Other aspects of over-the-counter medications, such as durable medical equipment (band aids, crutches, etc.) are still allowed. Check with the provider of your cafeteria plan for details.

NOTE: Check with your employer or your individual healthcare provider to see if the plan you were on prior to this date was “grandfathered,” meaning these provisions are currently NOT included in your policy.