 |
 |
 |
 |
|
 |
 |
Prepared for TIC by Mike Ewing, J.D.
Director of Research
United Actuarial Services, Inc.
(317) 580-8659
Fax (317) 580-8651
email: mewing@unitedactuarial.com
© United Actuarial Services, Inc. 2010
2010-47
June 23, 2010
Health Care Reform Regulations Posted on “Preexisting
Condition Exclusions,” “Lifetime and Annual Limits,”
“Rescissions” and “Patient Protections”
Regulations Allow 3-Year Phase-In of Restricted Annual Limits
On June 22, 2010, the Departments of Labor (DOL), Health and Human Services
(HHS) and Treasury (IRS) jointly posted a pre-publication copy of
Patient
Protection and Affordable Care Act: Preexisting Condition Exclusions,
Lifetime and Annual Limits, Rescissions, and Patient Protections. The pre-
publication version is available by “clicking here”
or at:
http://www.federalregister.gov/inspection.aspx. These regulations are scheduled
to be published in the Federal Register on June 28, 2010 (The underlying health
reform laws are collectively referred to as “The Affordable Care Act.”).
A Fact Sheet entitled The Affordable Care Act’s New Patient’s Bill of Rights was also
released and is available by “clicking here” or at:
A copy of just the ERISA set of regulations is available by “clicking here.” Parallel
regulations were issued by HHS and the IRS.
A Table of Provisions of the Affordable Care Act Applicable to Grandfathered Plans is
available by “clicking here.” When reading the Regulations and especially
consumer-oriented items like the Fact Sheet,
one must carefully discern whether
the reform applies to grandfathered plans or not. The Table
referenced above is a
handy tool to print and keep for easy reference.
These interim final regulations are being published to implement rules on:
prohibiting preexisting condition exclusions,
prohibiting or limiting lifetime and annual dollar limits on benefits,
limiting restrictions on rescission, and
addressing reforms that do not apply to grandfathered plans (patient
protections).
CLIENT BULLETIN