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Reference
Appendix and Legal Notices
To contact these states, for more information on
enrollment rights or to see if a state has added a premi-
um-assistance program since January 31, 2013, go to
or call:
U.S. Department of Labor Employee Benefits
Security Administration
866-444-EBSA (3272)
U.S. Department of Health and Human Services
Centers for Medicare and Medicaid Services
877-267-2323, menu option 4, ext. 61565
Important Federal Health Care Reform Changes
and Notices
Pre-existing Condition Exclusion Removed
The pre-existing condition exclusion no longer applies to
any individuals.
Grandfathered Health Plan
The Aflac Employee Health Plan believes its medical benefit
option is a “grandfathered health plan” under the Patient
Protection and Affordable Care Act (the “Affordable Care
Act”) – commonly referred to as Health Care Reform. As
permitted by the Affordable Care Act, a grandfathered
health plan can preserve certain basic health coverage that
was already in effect when that law was enacted. Being a
grandfathered health plan means your plan may not include
certain consumer protections of the Affordable Care Act
that apply to other plans; for example, the requirement for
the provision of preventive health services without any cost
sharing. However, grandfathered health plans must comply
with certain other consumer protections in the Affordable
Care Act; for example, the elimination of lifetime limits on
benefits.
Questions about which protections apply and which
protections do not apply to a grandfathered health plan
and what might cause a plan to change from grandfa-
thered health plan status can be directed to the Benefits
Department at Aflac Incorporated, 1932 Wynnton Road,
Columbus, Georgia, 31999, 706-596-3344. You may also
contact the Employee Benefits Security Administration,
U.S. Department of Labor at 866-444-3272 or
This website has a table
summarizing which protections do and do not apply to
grandfathered health plans.
