The Affordable Care Act prohibits the use of pre-existing condition exclusions against any individual beginning January 1, 2014 for all individual and small group plans sold or renewed on or after that date.

 

It is true that Massachusetts already prohibited these exclusions in the past, but the main difference now is that the Commonwealth allowed health plans to limit coverage of pre-existing conditions for up to six months for individuals who did not demonstrate continuous help insurance coverage prior to enrollment. This no longer applies; any medical condition that has been discovered or treated within a set period before the effective date of an insurance policy or plan will be covered with no limits.

 

This protection is provided through the Guaranteed Issue and Guaranteed Renewal.

 

The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

 

Massachusetts Individuals & Families: Find out the most cost efficient healthcare insurance for you.

 

Guaranteed Issue

 

  • A health plan cannot deny someone coverage because of a particular illness or condition.
  • There are no waiting periods for coverage associated with certain pre-existing conditions.
  • A health plan cannot deny someone coverage because of risk factors like age or gender.

 

Guaranteed Renewal

 

This is a requirement that your health insurance issuer must offer to renew your policy as long as you continue to pay premiums.

 

Preventive Care

 

The Affordable Care Act also offers preventive care with no out-of-pocket costs. Preventive services include yearly check-ups, immunizations, counseling, and screenings.

 

Preventive Care helps you stay healthy. You should see a doctor not only when you’re sick. The services provided by doctors keep you healthy. Taking care of you and your family is a must.

 

FAQs – PRE-EXISTING CONDITIONS

 

Massachusetts already accepted individuals with pre-existing conditions, what’s the difference under ObamaCare?

 

Yes. Massachusetts already prohibited the use of pre-existing condition exclusions, but the main difference is that the Commonwealth allowed health plans to limit coverage of pre-existing conditions for up to six months for individuals who did not demonstrate continuous help insurance coverage prior to enrollment. Under The Affordable Care Act or ObamaCare it is prohibited the use of pre-existing condition exclusions against any individual beginning January 1, 2014 for all individual and small group plans sold or renewed on or after that date.

 

What is considered a pre-existing condition?

 

A pre-existing condition is a medical condition that has been discovered or treated within a set period before the effective date of an insurance policy or plan.

 

Where can I read the Massachusetts Health Care Reform of 2006 and the updated version?

 

You can read the entire law, Chapter 58 of the Acts of 2006 “An Act Providing Access to Affordable, Quality, Accountable Health Care” by visiting MaLegislature.gov

 

You can also read the 3 technical correction bills that update the law by visiting:

 

Chapter 324 of the Acts of 2006 “An Act Relative to Health Care Access”

 

Chapter 450 of the Acts of 2006 “An Act Further Regulating Health Care Access”

 

Chapter 205 of the Acts of 2007 “An Act Further Regulating Health Care Access” -

 

For more information regarding regulations, visit the MA Health Connector directly.

 

What does Annual Benefit Maximum mean?

 

The Annual Benefit Maximum or Annual Limit is a limit on the dollar amount that a health plan will pay for all covered services in a year. If your plan has an annual benefit maximum, you will be responsible for all costs above that maximum.

 

Where can I get help in person?

 

You can apply for insurance coverage in person in the locations provided below:

 

Massachusetts Health Connector

 

133 Portland Street, 1st Floor

 

Boston, MA 02114-1707

 

Massachusetts Health Connector

 

146 Main Street, Suite 201/202

 

Worcester, MA 01608

 

ObamaCare By State