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No Pre-existing Health Condition Exclusions

While there are many provisions in the Affordable Care Act (ACA), a few will have more significant impact on how insurers and employers offer coverage.


Pre-existing health conditions

Currently, health plans can't deny coverage to children under the age of 19 due to pre-existing health conditions. Beginning in 2014, that requirement will apply regardless of age, gender or health. Under the ACA, pre-existing conditions will no longer be a factor in a person's ability to purchase a policy.


What does this mean to you?

No one will be denied health insurance or charged more because of a medical condition. This means you'll have peace of mind knowing you can get the care you need when you need it most.


Wellmark's commitment

Wellmark will not sacrifice service or quality of care in light of these new mandates and will continue to offer a variety of plans with wide access to the highest quality providers in Iowa and South Dakota. Wellmark is committed to holding costs down by offering employers a variety of plans with different cost-sharing options.


Wellmark is here to inform, lead, assist and support you through all the ACA changes as you make your decisions about your group health plan. For more information on health care reform, call your Wellmark representative or revisit



Related Information

Blue Cross and Blue Shield Association publications on health care reform issues:
»   12 Myths About Health Insurance pdf image
»   Health Care Spending by Major Payor pdf image
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