|Overview | Top Effects | Early Retiree Reinsurance | Links|
In an effort to keep CCPOA Members informed on the ever-changing National Healthcare Reforms we have posted this page of links and information. Many of the changes affect individual insurance plans and DO NOT apply to group health care plans like those the Trust offers. If you were enrolled in an individual, family or group policy on or before March 23, 2010 and remain on the plan, the plan you purchased may now be considered "grandfathered" and may be exempt from many of the new legislated reforms.
This information is provided as a courtesy to our members.
Our members should feel confident that the Trust and its partners will keep our policies in-line with the new laws as they become active, and keep you informed as these laws affect you and your coverage.
If you have questions regarding your personal or family coverage, CALL THE TRUST. 1-800-In-Unit-6 / 1-800-468-6486
California Insurance Marketplace
The State run insurance exchange is online.
August 1, 2010Important Health Reform Rights
Opportunity to enroll or re-enroll dependents under the age of 26
If you have a dependent whose coverage ended, or who was denied coverage (or was not eligible for coverage), because coverage for dependent children under the plan previously ended before they were age 26, they are eligible to enroll or re-enroll in your employer's health plan with Blue Shield.
Do you have a child turning 23 in or who is under age 26 and you would like to re-enroll? You need to complete paperwork during Open Enrollment to enroll your 23-25 year old dependent in order to continue health, dental and vision coverage.
Active members must complete paperwork in personnel to continue coverage for their 23 to 25 year olds; Retired members should contact CalPERS or the CCPOA Benefit Trust Fund (if continuing dependent coverage in the Trust’s voluntary vision program for retired CCPOA members).
Coverage ceases at age 26.
Understanding the Affordable
Pundits on the right and left have been reacting to passage of the legislation, but what does the bill actually mean for the average American? The Huffington Post has compiled a list of the top 18 immediate effects of the health care bill as well as some that will take effect in the first year of implementation. Remember- many of the changes affect individual insurance plans and DO NOT apply to group health care plans like those the Trust offers.
You are a plan participant, or are being offered the opportunity to enroll as a plan participant, in an employment-based health plan that is certified for participation in the Early Retiree Reinsurance Program. The Early Retiree Reinsurance Program is a Federal program that was established under the Affordable Care Act. Under the Early Retiree Reinsurance Program, the Federal government reimburses a plan sponsor of an employment-based health plan for some of the costs of health care benefits paid on behalf of, or by, early retirees and certain family members of early retirees participating in the employment-based plan. By law, the program expires on January 1, 2014.
Under the Early Retiree Reinsurance Program, your plan sponsor may choose to use any reimbursements it receives from this program to reduce or offset increases in plan participants’ premium contributions, co-payments, deductibles, co-insurance, or other out-of-pocket costs. If the plan sponsor chooses to use the Early Retiree Reinsurance Program reimbursements in this way, you, as a plan participant, may experience changes that may be advantageous to you, in your health plan coverage terms and conditions, for so long as the reimbursements under this program are available and this plan sponsor chooses to use the reimbursements for this purpose. A plan sponsor may also use the Early Retiree Reinsurance Program reimbursements to reduce or offset increases in its own costs for maintaining your health benefits coverage, which may increase the likelihood that it will continue to offer health benefits coverage to its retirees and employees and their families.
If you have received this notice by email, you are responsible for providing a copy of this notice to your family members who are participants in this plan.
This is the link for the U.S. Government's official site detailing the new Health Care Reforms