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Frequently Asked Questions

Existing Benefit Plans & Premiums

updated April 2013

Will members lose their policies because of health care reform?
We certainly hope not. The overarching goal of lawmakers was to increase access to health care services and health insurance, and we will do our best to offer Kansans affordable coverage that meets their needs.
Please define a “Cadillac” plan and how do I determine if my current plan is a “Cadillac” plan? If it is, what will happen to my plan?
The tax on high cost health plans doesn't take effect until Jan. 1, 2018. Between now and then, we expect to receive a great deal of information about how plans will be defined. For now, this provision of the new law won't affect any plan.
What does grandfathering mean and how will it impact my plan?
“Grandfathering” refers to a provision of the law that pertains to policies that were in place on March 23, 2010, the day the President signed the law. Those policies are referred to as “grandfathered plans.” Some of the provisions of the law do not apply to grandfathered plans.
If I have insurance now and like my plan, will my plan change?
Yes, it will change some. Even "grandfathered plans" – meaning those in place March 23, 2010, the day the President signed the law – are subject to some elements of the law.

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