Georgia Navigator Practice Exam

Which statement about Grandfathered Health Plans is true?

1. They must be recertified annually

2. They are exempt from all ACA provisions

3. They were issued before the ACA was implemented

4. They cover only emergency room visits

The correct answer is: They were issued before the ACA was implemented

The correct statement regarding Grandfathered Health Plans is that they were issued before the Affordable Care Act (ACA) was implemented. These plans are categorized as such because they were created before the ACA took effect on March 23, 2010, and as a result, they are allowed to maintain certain features that would otherwise not comply with the new regulations established by the ACA. This status means that while Grandfathered Plans can avoid some of the ACA's requirements, they are still subject to specific rules and regulations, particularly if they make significant changes to the plan, which can affect their grandfather status. The recognition of these plans promotes continuity for consumers who had existing coverage prior to the ACA's implementation. The other options do not accurately reflect the characteristics of Grandfathered Health Plans. For example, while they do have exemptions from certain ACA provisions, this does not encompass all provisions, nor do they require annual recertification or cover only emergency room visits, which highlights their varied nature.