Guest guest Posted November 29, 1999 Report Share Posted November 29, 1999 HI: I don't understand how you can be excluded from the plan. In Rhode Island, we are now in the middle of a " health care crisis " since two insurers are pulling out, leaving only BC and United Health. This past Sunday's paper covered many important issues re: preexisting conditions and it says that " An insurer can't refuse you admission to a plan because of a preexisting condition. But an insurer can deny you coverage for that condition, said A. Conio, director of projects for the People's Medical Society, a medical consumer advocacy group based in town, PA " . It went on to further state that the insurer can't refuse you coverage for that condition forever, either, in that " Federal law generally says that the insurer can refuse to cover you for that condition only for up to 12 months after you join. " Gee, I hope this is so because I am in process of obtaining new coverage since I belong to one of the insurers pulling out of my state (Tufts Health). Anyway, the article listed sources of info: Free copies of booklets and brochures on this subject are available from U.S. Dept. of Labor's Pension & Welfare Benefits Administration at (800) 998-7542 from 8 a.m. to 8 p.m. business days. Ask for information about the Health Insurance Portability and Accountability Act, known as HIPAA. Also web site at http://www.dol.gov Haven't ck'd these info sources out but I surely will now! Babs Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 30, 1999 Report Share Posted November 30, 1999 Geoff: I see what you mean re: premium vs. coverage. This is awful. I just don't know where this health care issue is going and I'm disgusted. I don't even know if I have health care coverage effective tommorow. Tufts pulled out of my state, my plan expires today. I applied to United Health and paid Dec. group premium through small business benefits administrator (I own business) but still haven't rec'd final verdict. Received two calls today from underwriter interrogating me about the minocycline and the RA. Gut feeling: they're going to require more premium... I know they can't deny me coverage for preexisting condition (per my state law, if I'm in a plan for at least 12 consecutive mos. and switch promptly to new plan, the new plan can't deny for preexisting.) but I don't see protections on premiums charged. I guess I'll find out. I don't know what the answer is. Nationalized health care doesn't seem appealing based on stories read about Canada... Babs Quote Link to comment Share on other sites More sharing options...
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