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View Diary: Single Payer California Group has started! Tell Your Story (88 comments)

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  •  It says that (4+ / 0-)
    HCERA became effective on September 23, 2010 and apply to policies with plan years commencing after that date.

    Mine is well before that.  It then explains the benefits and says those benefits, including No lifetime dollar limits or maximums and no annual dollar limits, must only be included on new plans.

    If you haven't made changes to your plan since March 23, 2010, you have "grandfathered" status.  Plans with "grandfathered" status are not subjected to all of the mandates required by federal health reform.

    I absolutely do plan on calling them about it.  When I have several hours to spend arguing on the phone.

    FDR: The only thing we have to fear is fear itself.
    RNC: The only thing we have is fear.

    by smileycreek on Mon Feb 21, 2011 at 07:31:49 PM PST

    [ Parent ]

    •  A plan year date means (4+ / 0-)

      when you renewed your policy.  If you renewed your policy on July 1, 2010 and it was for a year, then any new rules wouldn't take effect until July 1, 2011.  If you renewed your policy on Jan 1, 2011, then the new rules would have taken effect then.

      So if it is true that the 'no lifetime cap' rule really applies to all plans, regardless of whether they are grandfathered or not, then you will eventually fall under that rule.

      But I admit the language on the site is not very clear.  I could, I suppose, check the language in the actual legislation.

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