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The Patient Protection and Affordable Care Act (PPACA) became law March 23, 2010. Over the next four years different parts of the act will become law. Already in 2011 many changes have already taken place. One of these is the removal of dollar limits on essential benefits. Another big change is that carriers may no longer put exclusion riders on children under 18 years old on individual medical policies. This has caused all the carriers in Illinois to stop selling "children only" policies however children can still be on their parents' policies. For more information, download and read this newsletter.

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On July 1, 1997, the Health Insurance Portability and Accountability Act (HIPAA) became law, enacting the most sweeping changes in federal health benefits legislation in over a decade. It established minimum standards for individual and group health plans. This law allows Americans greater access to health coverage, including the ability to move from job to job without losing coverage, commonly referred to as "portability".

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The information in this newsletter is requested by our clients on a regular basis. In July 2009 the State Continuation law extended the length of continuation coverage from nine to twelve months. State and federal laws give certain employees, spouses and dependent children the right to continue employer-sponsored health benefits at group rates if they lose their benefits because of specific "qualifying events." The type of qualifying event determines who is qualified for continued coverage and for how long. The number of employees working for your company determines whether those employees insured on your health plan are eligible for COBRA or Illinois State Continuation.

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The healthcare scene dramatically changed on January 1, 2004 when the Medicare Prescription Drug & Modernization Act became effective. This Act had tremendous impact as it authorized the use of Health Savings Accounts (HSAs) for virtually anyone who has coverage under a high deductible health plan (HDHP). HSAs combine a savings account with a high-deductible health insurance plan, offering lower premiums and various tax advantages. For more detailed information, please read the newsletter.

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As an adult, you may think that taking care of your own health needs is easier said than done. However, there are a number of medical tests and checkups you should schedule routinely in order to maintain your health. Read on for more information.