Kokomo Tribune; Kokomo, Indiana

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October 18, 2013

Older plans are likely to be phased out

[Editor’s note: With significant portions of the Affordable Care Act to be implemented starting on Jan. 1, 2014, the Kokomo Tribune is running a series that explores how the personal responsibility mandate, the expansion of Medicaid and the new health exchanges will affect consumers.]

Q: My employer has dubbed our coverage “grandfathered in” and does not cover the types of medical care I want from my insurance. Will the Affordable Care Act help me? Will my insurer ever have to provide coverage of, for example, no copay/deductible for preventive medicine?

A: Under the provisions of the Affordable Care Act any health insurance plan that existed before March 2010 does not have to meet all the requirements of the law.

Craig Dunn, a financial planner for Liberty Financial, said grandfathered plans were those plans that were in existence March 23, 2010, and have stayed basically the same.

He said those plans must still end lifetime limits, end arbitrary cancellations, cover adult children up to age 26, and provide a summary of benefits and coverage.

“They don’t have to offer preventive care for free, guarantee your right to appeal and protect your choice of doctors and access to emergency care,” Dunn said. “While the ACA does offer insured and non-insured people additional rights and benefits, it also provides a legal framework that may allow your employer to protect its own bottom line by asserting its own rights under the law.”

Kathy Young, CEO of St. Joseph Hospital, said if an insurer or employer makes significant changes to a plan’s benefits or how much members pay through premiums, co-payments and deductibles, then the plan loses the grandfathered status.

“The regulations spell out how much plans can change the amount paid by workers or employers before losing their status,” Young said. “A grandfathered plan has to follow some of the same rules other plans do under the ACA, but it doesn’t have to follow all of them.”

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