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Health Insurance (Expert Forum)
Can you get denied group healthcare due to a pre existing condition?
Answered by
Amir Mostafaie - health insurance, insurance
eHealthInsurance
Gold River - CA
This forum is for questions and support regarding health insurance issues such as Medicare, Medicaid, Long-term health insurance, COBRA, insurance portability.
Can you get denied group healthcare due to a pre existing condition?
by snownow, May 08, 2008 12:34PM
I have done a lot of research in the past couple of days and from what I can tell, you can't get denied group health insurance due to a pre existing condition. The carrier can make you go through an exclusionary period, but can't deny you. Is that as a result of the HIPPA law passed in 1996? I have a friend who told me that pre exisiting condition denial is rampant in group policies. Wouldn't that be illegal or are the companies findings ways around it? Like denying your claim after the exclusionary period or only covering "X" amount of the claim.
Thanks!
Thanks!
Doctor's Answer
by Amir Mostafaie, May 08, 2008 01:09PM
, May 08, 2008 01:09PMTo: snownow
Dear snownow,
You are correct in that "you can't get denied group health insurance due to a pre existing condition" & you would not have to deal with waiting period on pre-ex conditions, as long as you have had continuous coverage.
But if you have a break in coverage of over 62 days, your new group coverage can impose a waiting period on your pre-ex conditions. To see an example of such a case, see the posting by jmark, on May 06, 2008 11:39PM, on this forum.
Sincerely,
Amir Mostafaie
You are correct in that "you can't get denied group health insurance due to a pre existing condition" & you would not have to deal with waiting period on pre-ex conditions, as long as you have had continuous coverage.
But if you have a break in coverage of over 62 days, your new group coverage can impose a waiting period on your pre-ex conditions. To see an example of such a case, see the posting by jmark, on May 06, 2008 11:39PM, on this forum.
Sincerely,
Amir Mostafaie
Member Comments (2)
by mastkids, May 29, 2008 10:45AM
To: snownow
There are states which require insurance companies to accept people with pre-existing conditions and do not require a waiting period. This varies by state, however.
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