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Only if the pregnancy began before the insurance policy.
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∙ 15y ago
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Can I be denied health insurance due to preexisting medical conditions if my job switches health insurance carriers?
No, because group insurance is normally guaranteed-issue, so they have to insurance no matter what conditions you have.
Can you add your pregnant fiance on your Group Health insurance?
We just found out my Fiance is pregnant she doesn't have health insurance. Will Group Health Insurance let me add her and cover the pregnancy also?
Is it illegal to deny a woman insurance for preexisting pregnancy in Texas?
In Group insurance Yes In individual or family, probably. I'm not familiar with Texas Law. Check with a local agent,
If you are pregnant but getting married will your husband's insurance cover the pregnancy after you get married?
Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=480021 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby).
Is your pregnant wife excluded if you added her to your insurance after she got pregnant?
== == 1st of all, we would only be taling about a pre-existing clause for maternity. Is this an HMO or PPO? Is this group or individual coverage? HMO's don't have pre-x clauses. Group Plans under Federal Law can't exclude Maternity as a pre x TITLE 26 - INTERNAL REVENUE CODE Subtitle K - Group Health Plan Requirements CHAPTER 100 - GROUP HEALTH PLAN REQUIREMENTS Subchapter A - Requirements Relating to Portability, Access, and Renewability (3) Exclusion not applicable to pregnancy For purposes of this section, a group health plan may not impose any preexisting condition exclusion relating to pregnancy as a preexisting condition. The pregnancy would be considered a "pre-existing condition" and as such anything to do with the pregnancy would not be covered.
Does health insurance cover all maternity costs?
If you have a group or family medical insurance plan, then most likely your health insurance should cover your pregnancy. If you have an individual medical insurance, then you may not be covered for pregnancy. For more information, please check out this site: www.healthquote360.com
Does most health insurance companies provide insurance to injuries that Occurred before having insurance?
Usually not preexisting injuries, but if you had a disease they would. such as diabetes. Answer Group insurance policies can only exclude preexisting conditions for 12 months, 18 months for a late enrollee. And not at all if you have prior "creditable" coverage. For more info use this link: http://mtnhealthinsurance.com/index.php?pageName=sec9801 In most states you are not going to be able to obtain individual (non group) coverage with a preexisting condition. Don http://mtnhealthinsurance.com
Is pregnancy a pre existing condition when enrolling in a group insurance plan?
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!
How can group health insurance policy benefit me?
Group health insurance is beneficial because it is cheaper then individual insurance. Group health insurance also offers plans to protect you from more things for a better price.
Can your company be penalized for a pre existing condition you do not list on your application for group health insurance?
Presumably in this context it is your employer providing you with health insurance.It is not that your company would be penalized, it is that the insurance company would refuse to pay for treatment of the preexisting condition. They set rates according to the known health of their pool of insured people. But upon signing up for your company's insurance plan you failed to divulge a known condition, and signed the statement saying you were giving the insurance company an accurate statement of your health, so you lied to them (aka committed fraud). That generally voids your policy.Check the particular wording of your own insurance policy regarding preexisting conditions.
Where are the headquarters of the Health Group Insurance?
There are no companies termed specifically "Health Group Insurance." A company that closely matches "Health Group Insurance" is the United Health Group based in Minnetonka, Minnesota. They were founded in 1977 and their current CEO is Stephen Hemsley.
If you are a 39-year-old working woman who's pregnant what kind of insurance is recommended?
You may want to check on your search engine for health insurance for pregnant women. There is no individual or group insurance that will take you now, but I have seen some banners and pop ups for this type of insurance. I don't know what type it is or what it costs, but it can't hurt to check them out.Most group insurance companies do not consider pregnancy a pre-exsisting condition. If you are unable to sign up with your employers health insurance you could either wait until open enrollment, or you could apply for medicaid.: If a GROUP PLAN has maternity coverage, you will be covered."Federal law bars group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you're pregnant, your new group health insurer (as long as it covers maternity) can't deny claims related to your pregnancy." http://www.insure.com/articles/healthinsurance/pregnancy.html
