Q: What are "grandfathered policies"?

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Answer:

“Grandfathered” policies are policies that have not had a substantial change since the law was signed on March 23, 2010. These plans are exempt from some healthcare reform requirements. “Grandfathered” policies are not required to cover preventive services at 100 percent. Also, they can still exclude people with pre-existing conditions. These plans must obey certain requirements of the healthcare reform law, however, such as covering young adults until age 26.

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Linda V. Tiano

Member of the Firm at Epstein, Becker, and Green in Washington, DC and New York

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David Randall

Senior Vice President of Strategic Planning and Business Development at the University of Alabama at Birmingham Health System.

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Marti Lolli

Director of Health Care Reform at Priority Health in Michigan.

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