Healthcare Law Timeline

 

 

Effective 2010

  • Pre-existing Condition: Children with insurance can no longer be denied coverage based on pre-existing coverage.
  • Life time Caps: Insurance plans can no longer impose life time dollar limits on essential benefits such as hospital stays.
  • Insurance companies cannot stop coverage when a person gets sick
  • Expanded coverage for young adults: If your plan has dependent coverage, your child can remain on your plan until they turn 26, irrespective of whether they have graduated college or are married.
  • Consumer Assistance Program: Georgians can now get help to navigate the private health insurance system through a consumer assistance program that has been set up at the Insurance Commissioners Office.
  • Preventive Care: All new plans must cover certain preventive services such as mammograms and colonoscopies without charging a deductible, co-pay or coinsurance

 

 

Effective Oct 1, 2011

 

  • Access to services at home and in the community: All the current Home and Community Based Services (in Georgia it would be Independent Waiver, NOW/COMP waiver, etc) will be funded, potentially removing all waitlists. But this is an optional law that states can adopt. Right now there is no move to adopt this law in Georgia.

 

Effective Jan 1, 2014

  • Insurance Coverage: Most individuals who can afford to buy basic health insurance will be required to obtain coverage or pay a fee to help off set the costs of caring for uninsured Americans. If, affordable coverage is not available to an individual he or she will be eligible for an exemption.
  • Medicaid Expansion: The financial and categorical eligibility requirements of Medicaid will be expanded. Allowing a lot more Georgians to receive Medicaid Coverage.
  • Insurance Exchange: If your employer doesn't offer insurance, you will be able to buy it directly from an Exchange.
  • Annual Limits: All new plans and existing group plans will not be able to impose an annual dollar limit on the amount of coverage a person may receive per year.
  • Pre-Existing Coverage: Insurance companies will no longer be able to deny coverage to anyone (adults and children) based on their pre-existing coverage.