Rules for grandfathered health plansUnlike other health plans, grandfathered plans don't have to:
- Fully cover preventive care. A grandfathered plan can still charge you a copayment, deductible and co-insurance for preventive care.
- Provide access to an obstetrician or gynecologist without a referral.
- Let you get emergency care outside the health plan's network without prior authorization.
- Give you additional rights for appealing health plan denials. Non-grandfathered health plans must give you the right to an external review if the health plan rejects your appeal.