Both companies announced they will not impose lifetime dollar limits on policies; will continue to permit dependent family members to remain on their parents' plans until the age of 26; allow their members to receive preventive services without out-of-pocket cost sharing; and provide an efficient appeals process for claims decisions. And they will also continue the healthcare law's rescission standard for individual insurance policies so that the companies will not rescind individual policies except in cases of fraud or intentional misrepresentation of facts.
Hartford, Conn.-based Aetna announced that it also intends to keep coverage for dependents up to age 26, as well as total coverage for certain preventive care and access to an appeals process regardless of how the Supreme Court rules. “At the same time, we recognize that the ACA has propelled interest in exploring new ways to deliver care,” the company noted in a statement by e-mail. “We believe that our work to collaborate with providers, such as accountable care organizations, is key to building a more effective health care system. We are committed to leading the way in delivering solutions that transform our system and deliver on the goals of reform.”
Meanwhile, Cigna Corp. issued a brief statement that said the company respects the high court's process and is “prepared to proceed as appropriate on behalf of our customers when the court deliberations reach their conclusion.”
The Blue Cross and Blue Shield Association of America issued its own statement (PDF) that said it cannot speculate on how the Supreme Court will decide, but that the company is urging its 38 local Blue Cross and Blue Shield companies to “offer their customers the broadest set of protections possible at an affordable price.”
Health Net, an insurer based in Woodland Hills, Calif., sent a statement by e-mail that said no matter how the Supreme Court rules, the company intends to retain many of the health reform law's provisions, including preventive services with no copayments, dependent coverage up to age 26, no lifetime policy limits, and both an internal and external appeals process.