Here are all the articles I've written about Grandfather clause. Enjoy!

February 20th, 2011

Confused by Anthem Blue Cross? You’re not alone!

Thanks to Obama’s Health Care Reform laws and the confusion between grandfathered and non-grandfathered plans, things are a-changing and are difficult for everyone to understand… even for The Insurance Mom!

If  you have an individual/family plan with Anthem BC, you recently received a huge mailing full of documents, jargon, pamphlets and choices, oh my!

The documents you’ve received talk about the pre-ObamaCare plans (grandfathered) versus the new ObamaCare plans (non-grandfathered) and what happens if you move from a grandfathered plan to a non-grandfathered plan.

You can stay on your existing policy as long as you like.     However, the grandfathered plans don’t include the new federally mandated free preventive care services (your annual check-up).    You have the option of moving to a non-grandfathered plan if you want to be able to take advantage of this new benefit (and one or two others).   But moving to a different plan could increase your monthly premium.    And if you move to a new plan and don’t like it, you can’t have the old one back.

And that, in a nutshell, is what all of those pages say.   It boggles the mind, doesn’t it?

Your safest move is to call or e-mail The Insurance Mom for help and guidance.

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