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Is pregnancy a pre existing condition when enrolling in a group insurance plan?
Wiki User
∙ 15y ago
NO! If you are having any trouble with group insurance and a pregnancy not being covered, contact your insurance commissioner's office IMMEDIATELY! Here's the deal: Under HIPAA (Health Insurance Portability & Accountability Act of 1996) GROUP insurance plans CANNOT by law consider pregnancy pre-existing. For example, if your husband is working at a job for several years, and has never added you to their group insurance plan and then you find out you are pregnant, the plan MUST allow you to be covered during their open enrollment. If they do not, CALL THE INSURANCE COMMISSIONER!
REFERENCE:
"Moreover, under HIPAA, preexisting condition exclusions cannot be applied to pregnancy, regardless of whether the woman had previous health coverage."
from http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
However, if you are on an individual health plan, this is all out the window. Be prepared for the insurance company to fight like mad if you've bought the plan within the last 12 months, they will attempt to get out of covering everything. Don't be afraid to contact your insurance commissioner and file complaints, it will lead to you getting what you deserve via the law, you are protected by it, so take advantage!
Wiki User
∙ 15y ago
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Is hyperthyroidism a pre existing condition?
Yes. It's a pre-existing condition. But it can be conditional. If for example you have hyperhtyroidism but was treated and it never reoccurred (you were not treated for it) for at least 6 months prior to enrolling for a health insurance, then the insurer won't consider it a pre-existing condition.
How does the insurance company determine whether a pregnancy is pre-existing or not?
Just like any other condition. It is pre-existing if it was diagnosed prior to applying for the insurance.
Will pregnancy be a pre-existing condition even if it is not officially documented prior to obtaining insurance?
Official documentation is not relevant. Check out steveshorr.com
Can a insurance company drop you for a pre existing condition?
I need a little more information. What kind of insurance and what kind of pre-existing condition?
Is a pregnancy a pre-existing condition?
Yes, in most states pregnancy is considered a pre-existing medical condition, and applicants for individual or family health insurance can be declined coverage if they're currently pregnant. In addition, some states allow health insurance companies to include clauses in newly issued policies that prevent them from being liable for any costs resulting from a pregnancy that occurs within the first year of coverage.
Is ulcerative colitis a pre-existing condition?
Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.
Is it possible for a pregnant woman in Utah to find health insurance?
Pregnancy can be considered a pre-existing condition when getting any type of health insurance and may not be covered. You will just need to contact different agencies and make an inquiry.
Could you get free health insurance with a pre existing condition?
Having a pre-existing condition can be tricky, when looking for health insurance. If you are unable to work, I would first contact the Social Security office and see if you qualify for Medicaid insurance or Medicare insurance. Each company is going to be different, so you will need to ask each company to see if the pre-existing condition will be a problem.
If you have travel insurance should you let them know of a pre existing condition?
Yes. It may invalidate your insurance if you do not
What pre-existing medical conditions won't qualify a person for travel insurance?
If someone wishes to travel they do need to make sure they do not have a pre-existing condition that would cause the airline to refuse them passage. A major one of these which people forget is pregnancy.
What is a pre existing limitation?
A pre existing limitation is a medical condition that prevents you from receiving health benefits or insurance benefits. Insurance companies consider this before granting insurance or benefits.
Can I benefit from my husbands pre-existing condition insurance plan?
Usually people do not benefit from having a pre-existing condition. Insurance companies use this to deny benefits to those applying. Not sure how this would be good.
