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<blockquote data-quote="Crumbx" data-source="post: 588217" data-attributes="member: 24661"><p><strong>Benefits Required Under MCC</strong></p><p></p><p>For <strong>most plans*</strong>, the 2009 "Minimum Creditable Coverage" standards include:</p><ul> <li data-xf-list-type="ul">Coverage for a comprehensive set of services (e.g. doctors visits, hospital admissions, day surgery, emergency services, mental health and substance abuse, and prescription drug coverage).</li> <li data-xf-list-type="ul">Doctor visits for preventive care, without a deductible.</li> <li data-xf-list-type="ul">A cap on annual deductibles of $2,000 for an individual and $4,000 for a family.</li> <li data-xf-list-type="ul">For plans with up-front deductibles or co-insurance on core services, an annual maximum on out-of-pocket spending of no more than $5,000 for an individual and $10,000 for a family.</li> <li data-xf-list-type="ul">No caps on total benefits for a particular illness or for a single year.</li> <li data-xf-list-type="ul">No policy that covers only a fixed dollar amount per day or stay in the hospital, with the patient responsible for all other charges.</li> <li data-xf-list-type="ul">For policies that have a separate prescription drug deductible, it cannot exceed $250 for an individual or $500 for a family.</li> </ul></blockquote><p></p>
[QUOTE="Crumbx, post: 588217, member: 24661"] [B]Benefits Required Under MCC[/B] For [B]most plans*[/B], the 2009 "Minimum Creditable Coverage" standards include: [LIST] [*]Coverage for a comprehensive set of services (e.g. doctors visits, hospital admissions, day surgery, emergency services, mental health and substance abuse, and prescription drug coverage). [*]Doctor visits for preventive care, without a deductible. [*]A cap on annual deductibles of $2,000 for an individual and $4,000 for a family. [*]For plans with up-front deductibles or co-insurance on core services, an annual maximum on out-of-pocket spending of no more than $5,000 for an individual and $10,000 for a family. [*]No caps on total benefits for a particular illness or for a single year. [*]No policy that covers only a fixed dollar amount per day or stay in the hospital, with the patient responsible for all other charges. [*]For policies that have a separate prescription drug deductible, it cannot exceed $250 for an individual or $500 for a family. [/LIST] [/QUOTE]
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