Preventive Care

For plan years beginning on or after September 23, 2010, non-grandfathered health plans cannot require cost sharing (such as copayments or deductibles) for preventive care services that are specified by the Federal government, including immunizations. The list of specified preventive care services is expected to be updated periodically and plans must comply for plan years beginning on or after one year after the new recommendation or guideline is published.

Note: The requirement to cover preventive care only applies to certain types of health plans, such as major medical insurance. It does not apply to HIPAA excepted benefits, such as disability, cancer, hospital indemnity, or accident insurance. Click here for more information about the types of benefits that are exempt from the ACA plan design mandates.

Neither American Fidelity Assurance Company nor American Fidelity Administrative Services provides tax or legal advice and, given the complexity of these laws, we always recommend working with your legal counsel on how the laws impact your specific situation.