Health insurers UnitedHealthcare and Humana have pledged to retain five major consumer provisions of the Affordable Care Act regardless of how the Supreme Court rules on constitutionality of the law.
The provisions are: eliminate lifetime dollar limits on policies, cover preventive services with no out-of-pocket costs, permit dependent coverage for children up to age 26, provide a clear and simplified process for appealing claims decisions, and eliminate rescission of individual coverage except for failure to timely pay premiums or as covered under the law in cases of fraud or intentional misrepresentation of a material fact.
Humana’s pledge covers its fully insured commercial health insurance policies, but the company will emphasize to self-insured employers the importance of continuing these policies. UnitedHealthcare is ready to continue coverage of children up to age 19 with pre-existing conditions, but cannot take that step alone and says it is working with others in the industry to sustain the coverage.
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