Experient Health Addresses Grandfathered Health Insurance Plans in Blog Series

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Experient Health launched a Health Care Reform FAQs Blog series on its web site to help keep the community informed on changes they could face under the Affordable Care Act.

Experient Health has experienced professionals who help guide individuals through buying an Individual Health Insurance Plan.

Experient Health addressed “grandfathered” health insurance plans in its latest post in a new Blog series on Health Care Reform.

“Grandfathered plans are those that were in existence on March 23, 2010, and have stayed basically the same since then,” according to Experient Health. “These plans can enroll people after that date and still maintain their grandfathered status. The status depends on when the plan was created, not when you joined it. If you are covered by a grandfathered plan, you may not get some rights and protections that other plans offer.”

Like other health plans, all grandfathered plans are required to end lifetime limits on coverage, end arbitrary cancellations of health coverage, cover adult children up to age 26, provide a summary of benefits and coverage and spend at least 80 percent of premiums on health care, according to Experient Health.

However, “grandfathered plans do not need to cover preventive care for free, guarantee your right to appeal, protect your choice of doctors and access to emergency care, or publicly justify premium increases of 10 percent or more.”

Additionally, individual grandfathered plans do not have to end yearly limits on coverage or provide coverage to people with pre-existing health conditions.

Have additional questions? Visit http://www.experienthealth.com to request a private consultation.


For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580.

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Stephanie Heinatz
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