A major health care reform provision which may affect you is the new federal requirement that health plans allow dependents to remain on their parents’ plan until they turn 26 years of age. Our plan's previous policy allowed parents to include all dependents up to age 19 or full-time students up to age 25.

You may cover these dependents even if they are:

• Married (although you may not cover your son or daughter’s spouse or children)
• Living away from you or even out of state
• Financially independent

[For "grandfathered" plans only: You may not add any dependent who has access to group coverage through a source other than a parent’s plan (through an employer or a spouse’s employer, for example). You will need to sign an attestation to the fact that your dependents over age 19 who are not full-time students don't have such coverage.] The extension of dependent coverage takes effect our plan upon our renewal date of ___________. BCBSVT stopped dis-enrolling members who aged off membership immediately when PPACA was passed. If your son or daughter graduated from high school or college this yearor if your dependent turned 19 since the passage of PPACA and discontinued his or her education, that dependent remained on your membership. You may add dependents up to age 26 who already came off your plan during our renewal (open enrollment). Even if you don’t currently have coverage through your our health plan, you may enroll upon our renewal and cover your dependents under age 26. [You may also switch at that time from one type of coverage offered by our company to another type.] Other 2010 Provisions Other 2010 provisions that will affect our coverage include the following:

• You will no longer have lifetime benefit limits
• [If your plan has an exclusion on pre-existing conditions, it will not apply to dependent children under 19 years of age]
• You will not longer have annual dollar limits for “essential benefits” (as defined by HHS)