Now let's see what happens if we change John and Sandy's situation slightly. This time let's say that John only had continuous coverage for his family at his first employer for nine months. Four months pass and the Valentine family has no insurance. John gets a new job and enrolls Peter under his new health plan. The family tries to get physical therapy for Peter under the new plan as soon as it becomes effective.
Physical therapy is a covered benefit under the plan.
No, not for a year. Continuation of insurance coverage was delayed for more than sixty-three days. This prohibition is rather limited in protecting small groups, since it does not regulate the cost of the insurance. Again, the impact of this provision may not be that helpful to consumers because cost is not regulated. This allows small employers to establish a program that allows employees to put aside money in a special account for medical expenses.