The open enrollment for 2011 health insurance coverage is upon and because of the new provision of health care reform law employees will need to scrutinize the plans offered by their employer as their cost will increase for some services and decrease for others.
Employees will see the following:
There will not be co-payment for preventive services such as mammogram (which means increase cost to insurer who might pass it on to the insured in form of high insurance cost.)
Some plans will see higher deductible and plans that previously did not carry any deductible will see one.
Employee might also see an increase in cost for spousal coverage.
Employees will not be able to use money in the flexible spending account to cover the cost of over the counter medication.
Children up to the age of 26 can be covered by their parents health insurance, and
The new health care reform law also eliminates the lifetime cap for essential services than hospital stay.
Source:
- Kaiser daily health news (11/15/2010)
- http://www.ajc.com/business/check-your-insurance-packets-741985.html
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