Health Insurance Reform Immediate Actions

over 55 who are not eligible for Medicare (effective 90 days post enactment through January 1, 2014)

Six months plus

No lifetime limits – Eliminates all lifetime limits on the dollar value of coverage (effective six months post enactment)
Restrictions on rescissions – Prohibits insurers from rescinding coverage except in the cases of fraud (effective six months post enactment)
No pre-existing conditions for children – Eliminate pre-existing condition exclusions for children under 19 (effective six months post enactment)
Dependent age 26 – Extends dependent coverage to age 26 (effective six months post enactment)
Preventive care with no cost sharing – Eliminates cost-sharing for certain preventive services (effective January 1, 2011)
Appeals process – Individuals  have access to an  internal and external appeals process to appeal decisions by their health insurance plan.

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