Most women go through a number of life events that affect their health benefit needs and the choices they make. There are several important new laws that affect women.s health benefits under a job-based plan. Below is a list of some of the specific laws that may protect their rights when these events occur. Attached are fact sheets that explain in more detail these laws.
- Make the right health benefit decisions when you get married
HIPAA offers special enrollment rights upon marriage and provide for protects for women and others who have preexisting conditions for might suffer discrimination on the basis of health status when they switch plans.
Proposed Disclosure Regulations would, upon adoption, provide women and others improved information concerning their rights and benefits under their own or spouse.s group health plan. - Protect Your Rights When You Have or Adopt a Baby
HIPAA prohibits preexisng condition exclusions from being applied to pregnancy, regardless of whether the mother had previous health coverage. In addition, HIPAA includes protections for newborns and newly adopted children who enroll within 30 days of birth or adoption.
Proposed Claims Procedure Regulation would, upon adoption, help ensure timely and fair review of maternity and other claims.
The Newborns. and Mothers. Health Protection Act includes important new protections for mothers and their newborn children with regard to the lengths of hospital stays following the birth of a child. - Keep Coverage After a Job Change
HIPAA protects women who need coverage of preexisting conditions and who have trouble getting insurance because of health status or genetic makeup.
COBRA ensures coverage after losing or job or a reduction in hours. - Make sure your loved ones have good health care
ERISA helps custodial parents obtain a court order to provide coverage to the children under the noncustodial parent.s health plan.
Proposed SPD regulation gives women information about plan rules that cover child medical support orders.
HIPAA protects newborn and newly adopted children with preexisting conditions.
The proposed claims procedure regulation provides a timely and fair review of plan denials of claims for specialist care.
Theproposed SPD regulation provides information about access to urgent care
Proposed SPD regulation arms women with plan information on out-of-pocket costs, access to preventive and specialized care, drug coverage, and composition of the physician network so they can arrange appropriate care for ill family members.
The proposed claims procedure regulation provides women with more information about how to file a plan appeal and why a claim was denied, so they can be more effective advocates for loved ones who are denied needed care.
The Mental Health Parity Act helps care givers secure needed mental health care services for loved ones. - Keep coverage when a marriage ends
COBRA provides the right to continued group plan coverage when a woman becomes separated, divorced or widowed. - Secure the right care in your later years
HIPAA protects against discrimination based on health status and exclusion of preexisting conditions.
Proposed claims procedure regulation provides a fair and timely appeals process for women with complex medical needs.
Proposed SPD regulation provides information about specialists in the plan network and the plan.s rules for accessing specialty care.
The proposed SPD regulation provides information about the plan.s ability to terminate or reduce benefits.