As part of the Patient Protection and Affordable Care Act (healthcare reform), health plans are classified as either “grandfathered” or “non-grandfathered.”
At DMBA, we’ve decided to maintain the benefit structure that was in place at the time the law passed. So our health plans are considered “grandfathered.”
As a grandfathered plan, your benefits may not include certain consumer protections included in the law that apply to other plans. For example, healthcare reform says preventive health services must be covered at no cost to you, the employee. But in our plans, you’re still responsible for office visit copayments.
Keep in mind, grandfathered plans must comply with other consumer protections included in the Affordable Care Act—like eliminating lifetime limits on essential benefits. We’re happy to report we’ve already done that.
For questions about which protections apply and do not apply, as well as information about what could cause a plan to change from grandfathered to non-grandfathered status, please contact us.
Or you’re welcome to contact the Employee Benefits Security Administration, U.S. Department of Labor, at 866-444-3272 or http://www.dol.gov/ebsa/healthreform/.