Several major provisions of the Affordable Care and Patient Protection Act go into effect beginning September 23rd. These provisions were designed to afford greater protection to consumers and to limit restrictions insurance companies can put on who they provide care to:
- Young people up to age 26 will be able to remain on their parents’ insurance policies.
- Insurers will be prohibited from denying coverage to children with pre-existing conditions.
- Insurers will no longer be able to cancel individuals’ policies except in cases of outright consumer fraud.
- Lifetime limits (limits on the amount of money insurers will pay in claims over an individuals’ lifetime) will be prohibited.
- New restrictions will be placed on insurers’ ability to impose annual limits.
- Insurance plans will be required to cover certain preventive services, including depression screening and regular behavioral assessments for children.
Please visit CBHC's Healthcare Reform Resources Page to stay updated and to access great resources on health reform implementation, including MentalHealthcareReform.org, provided by the National Council for Community Behavioral Healthcare.