Assurant Health's individual major medical— benefits and rates won't change until December 2014!*
When you purchase a plan effective April 1, 2013 through December 28, 2013, your benefits and rates will stay the same until the end of next year. No plan changes can be made. Most important, you are the ones making the choice—and if you decide you want a plan with complete health care reform benefits as of January 1, 2014, the choice is yours.
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How it works:
Many key components of health care reform (including covering essential health benefits and moving to new rating parameters) apply to policies beginning their first plan year on or after January 1, 2014.
• The policy's plan year begins the policy effective day in December.
• This means that the policy's effective day of the month is the date in December 2014 that health care reform benefits and associated rates will be applied to the plan.
• For example, if your client's plan effective date is April 15, 2013, the plan year will begin on December 15 and the original benefits and rates will apply until December 14, 2014. The plan will receive full health care reform benefits and any applicable rate changes on the first day of their new plan year—December 15, 2014.