Should individual (non-group) members prepare to do anything right now?
When will these new reforms become effective?
Will insurers have to cover all individuals, regardless of health status?
Does the law require that everyone buy health insurance?
How will health care reform affect individual premiums?
How will uninsured individuals be able to obtain coverage in the future?
What if an individual is unable to afford coverage?
What does the law mean when referring to preventive services without any cost sharing?
How is a "policy year" defined?
Will the law affect direct-pay members' choice of doctors?
Who will decide what kind of treatment direct-pay members can receive?
Will members pay extra if they are enrolled in a high-cost health plan (known as a Cadillac plan)?
What are the new provisions for emergency-related services?
What are the new provisions for women's health?
This information is provided for informational purposes only and does not constitute legal advice. Please consult your legal counsel regarding your specific situation.
Please note that this content is only intended to describe national health care reform requirements under the Patient Protection and Affordable Care Act (PPACA). It does not address Massachusetts law requirements or the potential impact of Massachusetts law on federal PPACA requirements.
For purposes of PPACA implementation, Blue Cross Blue Shield of Massachusetts assumes the plan year is the policy year, unless an account notifies us otherwise.