navigated your health benefits

Important Points to Remember Your Health Benefits

  
Manage Your Health
These new regulations:
✓ Eliminate lifetime dollar limits
on essential benefits and phase
out annual dollar limits on
essential benefits as well
✓ Create state-run insurance
exchanges rolling out in 2014
to help people who do not have
health-care coverage
✓ Help to make health-care
coverage available to people
ages 55 to 65 who are not yet
retired — so before they’re
eligible for Medicare — through
the temporary Early Retirement
Reinsurance Program

Live Well
Keep these points in mind to live well.
✓ The new regulations require all
new plans to cover certain preventive
health screenings provided
in-network, such as mammograms
and colonoscopies, without charging
a deductible, copay, or coinsurance.
This change affects most new plans
and existing plans as they renew.
✓ The law allows states to establish
temporary high-risk pools to provide
access to coverage for anyone who
doesn’t have insurance for six months
due to a pre-existing condition.
✓ The new regulations only allow
insurance companies to cancel
health plans in cases of fraud or
misrepresentation.

Keep Family Benefits in Check
The new regulations for family benefits:
✓ Require that health-care plans offer coverage to people under the age
of 19, regardless of pre-existing conditions. Note: Starting in 2014, all
Americans will be able to get health-care coverage, even with preexisting
medical conditions.
✓ Allow children under age 26 to stay on their parents’ plan.
✓ Mandate that all new health benefit plans include certain preventive
health-care services, such as checkups and immunizations for children.