Included in the white paper are explanations of health coverage reforms including:
- Elimination of pre-existing condition exclusions,
- Elimination of coverage rescissions (except in the case of fraud),
- Required coverage for certain essential benefits, and
- Elimination of annual and lifetime maximums for many benefits.
The guide is the second in a series of educational pieces from Unum on the effects of health care reform. Last month, the company produced another guide explaining the Community Living Assistance Services and Supports (CLASS) Act, a national voluntary plan that offers a minimal long term care benefit.
The new guide is here.The CLASS Act guide is here.