As part of the Affordable Care Act (AKA “Obamacare”), Congress passed Section 2706(a), titled “Nondiscrimination in Health Care.” In relevant part, Section 2706(a) states:
“A group health plan and a health insurance issuer offering group or individual health insurance coverage shall not discriminate with respect to participation under the plan or coverage against any health care provider who is acting within the scope of that provider’s license or certification under applicable State law...”
Until now, Section 2706(a), while enshrined in federal law, has not been enforced at either the federal or state level. But change is on the horizon, and a major tool against provider discrimination will soon be available to chiropractors across Michigan. This FAQ document will serve as a primer on Section 2706(a) and seek to answer some questions regarding 2706(a).
A: According to the ACA, Section 2706(a) “establishes federal non-discrimination protections for providers acting within the scope of their licensure in terms of participation and reimbursement under health insurance and group health plans.” Basically, Section 2706(a) prohibits discrimination in terms of coverage, participation, and payment, based on the type of provider.
A: Section 2706(a) does not:
A: The nondiscrimination provision applies to:
A: Section 2706(a) does not apply to:
A: The individual states, most likely through their Department of Insurance or whatever entity governs insurance in that state.
However, if a state fails to “substantially enforce” the law, the federal government “shall enforce” Section 2706(a). As of now, the states are not enforcing 2706(a), and the federal government is taking the beginning steps of enforcement, after Congress directed the Secretary of Health and Human Services, the Secretary of Labor, and the Secretary of the Treasury “to issue a final rule implementing the protections of section 2706(a)” in the Consolidated Appropriations Act of 2021.
A: In 2020, as part of a larger bill addressing surprise billing practices, Congress passed and President Trump signed into law a provision requiring the U.S. Departments of Health and Human Services, Labor, and the Treasury “to issue a final rule implementing the protections of section 2706(a).” The first step in the process of creating regulations enforcing 2706(a) came at a January 2022 “Listening Session” in which the insurance industry, despite evidence presented to the contrary, argued that enforcement of 2706(a) is unnecessary. Now, it is up to chiropractors and other non-MD/DO providers to provide the agencies with specific examples of provider discrimination.
A: The regulatory process is still at an early stage. The law states: “Not later than January 1, 2022, the Secretary of Health and Human Services, the Secretary of Labor, and the Secretary of the Treasury shall issue a proposed rule implementing the protections of section 2706(a)…” Obviously, this deadline has come and gone, and no proposed rule has been issued.
At the “Listening Session,” the agencies indicated they will be reaching out for comments before they issue such a rule. After the issuance of the proposed rule, the law requires the agencies to consider public comments for a period of 60 days. Then, no later than six months after the end of the comment period, a final rule shall be issued.
A: According to ACA, examples of potential forms of provider discrimination under Section 2706(a) could include: