Tagged: Patient Protections

The Patient Protection and Affordable Care Act created a number of new patient protections, many of which became effective with the first renewal on or after September 23, 2010. Other patient protections become effective on the plan’s first renewal date in 2014. Some of these changes are grandfathered, meaning that a plan in effect on March 23, 2010 does not have to implement them, while others are non-grandfathered and must be included in all plans. Some of these patient protections include guaranteed issue coverage with no pre-existing condition exclusions, limitations, or surcharges; no rescissions of coverage except in the case of fraud or intentional misrepresentation; unlimited, up-front preventive care with no cost sharing; no annual or lifetime dollar limits on essential benefits; and no discrimination based on gender in the individual and small group markets.