New health care provisions now in effect

(WFLX) - It's a change that effects every American whether you like it or not. A number of health care provisions signed into law six months ago are now in effect.

These changes effect both insurance companies and you.

As of Thursday insurers will no longer be able to:

  • deny coverage to children with pre-existing conditions,
  • put lifetime limits on coverage or
  • cancel a policy without proving fraud

Meanwhile, consumers are now able to:

  • receive cost-free preventive services
  • keep young adults on a parent's plan until age 26
  • choose the primary care doctor or pediatrician from their health plan's network and
  • use the nearest emergency room without prior approval

All these things are designed not to have government more involved in health care.

They're designed to ensure you have basic protections in your interactions with your insurance company.

Now, here's something you may not realize: These changes do not immediately apply to everyone with health insurance.

Many of the new requirements are only for plan years starting Thursday or after.

If your plan year starts on January 1, as many do, that's when the changes will take effect.

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