A Guide to Your Family Health Benefits

Patient Protection and Affordable Care Act (PPACA)

During the health care reform debate, President Obama stated to Americans that “if you like your health plan, you can keep it.” The Trustees of your Plan have chosen to do so, and we believe that the Plan is a “grandfathered health plan” under the PPACA.

The Electrical Welfare Trust Fund uses collectively bargained employer contributions to the Plan, and income from the investment of Plan assets, to provide the most generous health plan that is prudently possible given the assets of the Plan. To avoid the financial and other burdens on the Plan that would be associated with full implementation of the PPACA, the Trustees have decided to operate the Plan as a “grandfathered health plan” under the PPACA. A health plan that was in existence on March 23, 2010, the enactment date of the PPACA, is referred to under the PPACA as a “grandfathered health plan.” As permitted by the PPACA, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that the Plan may not include certain consumer protections of the PPACA that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered plans must comply with certain other consumer protections in the PPACA, for example, coverage of dependents up to age 26.

Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from a grandfathered health plan status can be directed to:

Electrical Welfare Trust Fund
10003 Derekwood Lane, Suite 130
Lanham, MD 20706-4811
(301) 731-1050

You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.