Health care reform implementation

Signed into law in March 2010, the Patient Protection and Affordable Care Act (PPACA) is reshaping the health care benefits landscape. Though some provisions will impact health care benefits this year, many other provisions will not take effect until 2014 and beyond. The precise impact of PPACA continues to be shaped by new rules and guidance being developed by the federal government. Nonetheless, we are committed to helping you understand the impact of this new law. The summaries on this page are provided for informational purposes only. They should not be construed as, or relied upon, as legal or any other advice. Employers should consult with their own legal counsel for a comprehensive explanation of the rules and the proper application of these rules to their particular situation. 

Overview

• Health care reform timeline, 2010-2020  (PDF)

Members and Consumers

• Health care reform made simple: what you need to know now 
• Preventive care coverage  (PDF)
• Preventive care coverage (Traditional Choice)  (PDF)

Employers and Brokers

• How 2010 changes may impact you  (PDF)
• Health care reform language requirements  (PDF)

Questions and Answers

• Annual and Lifetime Limits  (PDF)
• Dependent Coverage  (PDF)
• Wellness  (PDF)
• Fund Products  (PDF)
• Grandfathering  (PDF)
• Preventive Care  (PDF)
• High-Risk Pools  (PDF)
• Employer Penalties  (PDF)
• Clinical Trials  (PDF)
• Uniform Coverage Document  (PDF)
• Automatic Enrollment  (PDF)
• Appeals and External Review  (PDF)
• Non Discrimination -- Executive Medical Plans  (PDF)
• Quality Reporting  (PDF)
• W-2 Reporting Requirement  (PDF)
• Emergency Room Services  (PDF)
• Early Retiree Reinsurance Program
• Choice of Provider/Ob-Gyn Direct Access  (PDF)
• CLASS Act  
• Fee Assessment  (PDF)
• Retiree-only plans  (PDF)
• Rescissions  (PDF)