The Department of Health and Human Services (HHS) issued a proposed rule on February 9, 2011 that would extend the Patient Protection and Affordable Care Act’s (PPACA’s) consumer protections to students who obtain insurance through their college or university health plans. These consumer protections include prohibitions on lifetime coverage limits, rescission of coverage because of unintentional mistakes on insurance applications, and pre-existing coverage exclusions for students under age 19. Student health plans may impose annual dollar limits on essential benefits of no less than $100,000 for policy years beginning before September 23, 2012 but must comply with PPACA’s prohibition on annual dollar limits on essential benefits for policy years beginning after that date. HHS requested comments on how PPACA provisions regarding choice of medical provider and medical loss ratios might apply to student health plans.
11 Feb '11