Chris Johnson, Manager Consulting Services - J.W. Terrill

Health Care Reform Legislation: PPACAChangeApplies toGrandfathered PlansApplies to Non-Grandfathered PlansEffectiveNo Lifetime/Annual Limits Yes Yes First Renewal Post 9/23/10Age 26 Dependent Coverage Yes Yes First Renewal Post 9/23/10Rescissions Prohibited Yes Yes First Renewal Post 9/23/10No pre-existing for enrollees under 19 Yes Yes First Renewal Post 9/23/10Coverage for preventive health benefits No Yes First Renewal Post 9/23/10Mandated Patient Protections No Yes First Renewal Post 9/23/10Discrimination rules No Yes First Renewal Post 9/23/10Required Claims Procedures (External Review) No Yes First Renewal Post 9/23/10FSA/HSA/HRA OTC Drugs Non-Reimbursable Yes Yes 1/1/11Provided Uniform Coverage Documentation Yes Yes No Later than 3/23/201260-day notice of modifications of health plan Yes Yes No Later than 3/23/2012$2,500 cap on annual FSA contributions Yes Yes 1/1/2013No pre-existing condition exclusions (ALL) Yes Yes 1/1/2014No waiting period over 90 days Yes Yes 1/1/2014Employer Mandate Yes Yes 1/1/2014Required coverage for clinical trials No Yes 1/1/2014Auto-enroll FTE’s into health plans (>200 EE’s) Yes Yes TBD