HR Professionals Magazine November 2013


November Issue Highlights

In the Spotlight: Curnis Upkins, Jr. 

Hot Topics

Shorter Waiting Periods under PPACA

Effective January 2014, group health plan coverage for any employee hired before January 1, 2014, cannot begin later than March 31, 2014—90 days after December 31, 2013 under the Patient Protection and Affordable Care Act. The waiting-period limitation applies to any group health plan subject to the PPACA, which includes any group health plan that covers two or more current employees. Therefore, virtually all group health plans are included.

Section 2708, which was added to the Public Health Service Act under The PPACA, prohibits any group health plan regardless of whether insured or self-insured, and whether or not grandfathered—from applying any waiting period that exceeds 90 days, effective for plan years beginning on or after January 1, 2014.

However, “excepted benefits” are not subject to the waiting-period limit. This means that ‘stand-alone,’ limited-scope group dental or vision plans—where employees make a separate election and pay a separate premium for the dental or vision coverage—are not limited to a 90-day waiting period.

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