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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!!!!
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.