11/01/03 - Preexisting Limitation Changes Effective January 1, 1998, the
Health Insurance
Portability and Accountability
Act (HIPAA) changed the way
a health and security plan can
administer preexisting
condition limitations. The
Carpenters Health and Security
Plan implemented this change
for all applicable benefits but
did not make the necessary
change in the plan booklet for
three of the affected benefits –
dental accidents, orthognathic
surgery and reconstructive
surgery. With these three
benefits, the plan required that
the patient be covered under
this plan when the original
injury, illness or trauma
occurred. This is no longer
required.
- The Board of Trustees
amended the plan to
provide coverage for these
services effective January 1,
1998.
- The plan reviewed all
claims and claims denials
for these services from
January 1, 1998 forward to
verify that no service was
inappropriately denied.
- The Employed Plan booklet
will be revised to reflect this
change. The Retired Plan
booklet was already
updated correctly.
Please contact a Customer Service Representative at the
Trust Office if you have any
questions or concerns about
these services.■
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