For enrollees under age 19, the pre-existing condition rules went into effect for plan/policy years beginning on or after Sept. 23, 2010. The rules will apply to all enrollees beginning in 2014.
A special rule applies to individual health insurance coverage. The pre-existing condition rules only apply to non-grandfathered individual health insurance plans.
Pre-existing condition exclusions (consistent with HIPAA rules) may continue to apply for enrollees age 19 and older until the 2014 plan year. Beginning in 2014, no pre-existing condition exclusions will be permitted.
To learn more about the pre-existing condition exclusion provision or health care reform, go to healthcare.gov or uhc.com/reform.
This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.