If you have recently applied for health insurance...beware

If you have applied for health insurance coverage with an effective date after 3/23/2010 and before 9/23/2010 than this blog may be important to how your plan is effected with the new health care bill.

Right now, as everyone knows from media, a child less than 19 years of age can not be declined coverage or have any exclusions on pre-existing medical conditions.

This law is to take effect on 9/23/2010.

If you have applied as a family between the dates mentioned and have had a child declined coverage, you will not be able to add your child back onto your policy until 1/1/2011.

The reason is that any health insurance plans issued with an effective date between 3/23-9/23/2010 are grandfathered into the plans previous provisions after the law was passed on 3/23 and prior to the enactment on 9/23.

Please call the shoppe with any questions on the new health care bill.

Thanks,

-The Shoppe