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Forum: Children with Special Needs


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December 28th, 2006, 07:11 PM
*Lindsay*'s Avatar Platinum Supermommy
Join Date: Apr 2006
Location: Virginia
Posts: 12,516
I was just wondering how insurance companies work now. If Nick changes jobs and we get new insurance, can they not cover Sydney because of pre-existing conditions? I thought the laws had changed about this, but don't know for sure. Anyone know?

It sure seems wrong if they are able to deny a child insurance because of this. I hope that the government has said they can't do it. It is just wrong!!!!
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December 28th, 2006, 08:26 PM
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HIPAA says that group health plans may refuse to provide benefits relating to preexisting conditions for a period of 12 months after enrollment.

From http://info.insure.com/health/hipaa.htm

HIPAA imposes limits on the extent to which some group health plans can exclude coverage for pre-existing conditions. For instance, if you've had "creditable" health insurance for 12 straight months, with no lapse in coverage of 63 days or more, a new group health plan cannot invoke the pre-existing condition exclusion. It must cover your medical problems as soon as you enroll in the plan.



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