Does the new law apply to self-funded plans?
• The restriction on preexisting conditions • Elimination of annual and lifetime benefit restrictions • Prohibition against policy rescissions • Coverage of adult dependents to age 26 • Requirement to provide coverage of preventive care services with no cost sharing • Provision of uniform explanation of coverage documents and additional information in plain language as required by the federal HHS Secretary • Availability of an external appeals process • Prohibition on discrimination against individual participants based on health status • Prohibition on plans from discriminating against providers based on their scope of practice • Prohibition against requiring women to obtain referrals to see a participating physician for obstetrics or gynecological services • Requirement that emergency services must be covered without prior authorization, regardless of whether the provider is in-network or out-of-network. Out-of-network costs for emergency room services must be paid at the same cost s
