What is a grandfathered plan?

 

Grandfathered plans do not have to comply with some of the healthcare reform requirements. Individual plans (plans not provided through an employer) may be considered grandfathered if the member was enrolled in the plan on or before March 23, 2010. Employer-provided (group) plans may be considered grandfathered if they were in effect on or before March 23, 2010. However, there is other criteria that may affect an individual or group plans' grandfathered status. For example, minor changes in benefits may cause a loss of grandfathered status.

 

How do I know if my plan is grandfathered?

 

If your individual plan is grandfathered, you received an amendment to your contract booklet that tells you that your plan is grandfathered. If your plan is a group plan (provided through your employer), you received or will receive an amendment or other notice from your employer that tells you your plan is grandfathered. You may check with your employer's benefit administration department to find out if your plan is considered a grandfathered plan.

 

I have coverage through my employer. What changes can I expect?

 

Regardless of whether you have a grandfathered or a non-grandfathered plan, healthcare reform requires changes to your coverage.

 

Review the changes that will impact your employer-sponsored (group) coverage.


I do not have coverage through an employer. What changes can I expect?

 

Regardless of whether you have a grandfathered or a non-grandfathered plan, healthcare reform requires changes to your coverage.

 

Review the changes that will impact your coverage.

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