Several important provision aimed at protecting insurance consumers will soon be required. Specifically, for plan years beginning on or after September 23, 2010, insurers can no longer:
- Deny coverage to children with pre-existing conditions;
- Impose lifetime limits on benefits;
- Retroactively cancel insurance coverage without proving fraud;
- Deny claims without a chance for appeal;
- Charge out-of-pocket costs for preventive health services; or
- Require prior approval or charge higher copayments or coinsurance for emergency room services outside the network.
Insurers must also provide coverage for a beneficiary’s dependent child who is under 26 and unable to obtain coverage from an employer. For more information, see the federal health reform website and the AG Health Reform insurance reform summary.