Health Care Reform

Health Care Reform, formally known as Patient Protection and Affordable Care Act (PPACA) was signed into law March 23, 2010. Official guidance and clarification continue to be released regarding the requirements of this law. Therefore, here is a summary of known changes that Central Michigan University has implemented or will implement in the near future.


Previously Compliant

  • Removal of pre-existing exclusions
  • Prohibiting rescissions with limited exceptions
  • Clarifying emergency services
  • Offering specific preventative services without cost-sharing
  • Appeals process updates

    Effective January 1, 2011

    • Flex Spending Accounts may still be used for purchases of OTC (over-the-counter) drugs and medicines, as long as they have a doctor's prescription. More information on this change can be found here
    • Adult children will be eligible for coverage on CMU's medical (BCBS and MESSA), prescription drug (CVS Caremark), dental (Meritain), and vision (EyeMed) coverages through the end of the calendar year of their 26th birthday regardless of marital, student, or financial dependency status. More information on this change can be found here
    • Removal of $5 million lifetime maximum from BCBS PPO medical plans