Re: Pre-existing Conditions on Insurance

[Guest guest]

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this "pre-existing condition" apply to them. Is anybody familiar with this?Thank you

[Guest guest]

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this "pre-existing condition" apply to them. Is anybody familiar with this?Thank you

[Guest guest]

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this "pre-existing condition" apply to them. Is anybody familiar with this?Thank you

[Guest guest]

That's such a relief, anybody has any literature on this?

Sent from Yahoo! Mail on Android

From:

badillo9@... ;

To:

<sList >;

Subject:

Re: Pre-Existing Conditions on Insurance

Sent:

Fri, Mar 30, 2012 5:27:36 PM

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this " pre-existing condition " apply to them. Is anybody familiar with this?Thank you

[Guest guest]

That's such a relief, anybody has any literature on this?

Sent from Yahoo! Mail on Android

From:

badillo9@... ;

To:

<sList >;

Subject:

Re: Pre-Existing Conditions on Insurance

Sent:

Fri, Mar 30, 2012 5:27:36 PM

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this " pre-existing condition " apply to them. Is anybody familiar with this?Thank you

[Guest guest]

That's such a relief, anybody has any literature on this?

Sent from Yahoo! Mail on Android

From:

badillo9@... ;

To:

<sList >;

Subject:

Re: Pre-Existing Conditions on Insurance

Sent:

Fri, Mar 30, 2012 5:27:36 PM

Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore.

Hello list mates, My almost 3 year old girl was diagnosed with ASD last year and I'm currently switching jobs, and one thing the benefits department at the new job advised me initially was that I should not let my kid be one day without insurance, so that she is not flagged with a pre-existing condition. However when I spoke to the Insurance Rep, I was told otherwise, that there's a law that does not let children from 0 - 19 years of age, to have this " pre-existing condition " apply to them. Is anybody familiar with this?Thank you

[Guest guest]

When you say group you mean health insurance through the job vs individual policies like buying your own premium right?

Sent from Yahoo! Mail on Android

From:

Jadzia Borenstein ;

To:

<deniseslist >;

Subject:

Pre-existing Conditions on Insurance

Sent:

Sat, Mar 31, 2012 1:27:16 PM

Hi Guys;

Just wanted to correct what was said. First, when going from group to group anyone has 63 days to get the new coverage and not worry about pre-existing. Second, the Federal law is that any child under the age of 19 will get coverage and the pre existing will be covered, with an individual policy (not group) they WILL rate up and I was told by one company that for Autism it could be a 700 % rate-up. Groups can not do that. Keep in mind that some policies have limitations on things like OT, PT and speech. They are still allowed to have those limitations, the benefit person at a job should know those limitations. Third.. " Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore " is incorrect. A 20yr old person with Autism COULD NOT get coverage unless they were getting on a group plan without a more than 63

day lapse or

if they have not had coverage for 6 months, the Pre-Existing policy from the state that I mentioned a few weeks prior. There is no " list " .

Hope this helps,

Jayne, Licensed Agent.

[Guest guest]

When you say group you mean health insurance through the job vs individual policies like buying your own premium right?

Sent from Yahoo! Mail on Android

From:

Jadzia Borenstein ;

To:

<deniseslist >;

Subject:

Pre-existing Conditions on Insurance

Sent:

Sat, Mar 31, 2012 1:27:16 PM

Hi Guys;

Just wanted to correct what was said. First, when going from group to group anyone has 63 days to get the new coverage and not worry about pre-existing. Second, the Federal law is that any child under the age of 19 will get coverage and the pre existing will be covered, with an individual policy (not group) they WILL rate up and I was told by one company that for Autism it could be a 700 % rate-up. Groups can not do that. Keep in mind that some policies have limitations on things like OT, PT and speech. They are still allowed to have those limitations, the benefit person at a job should know those limitations. Third.. " Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore " is incorrect. A 20yr old person with Autism COULD NOT get coverage unless they were getting on a group plan without a more than 63

day lapse or

if they have not had coverage for 6 months, the Pre-Existing policy from the state that I mentioned a few weeks prior. There is no " list " .

Hope this helps,

Jayne, Licensed Agent.

[Guest guest]

When you say group you mean health insurance through the job vs individual policies like buying your own premium right?

Sent from Yahoo! Mail on Android

From:

Jadzia Borenstein ;

To:

<deniseslist >;

Subject:

Pre-existing Conditions on Insurance

Sent:

Sat, Mar 31, 2012 1:27:16 PM

Hi Guys;

Just wanted to correct what was said. First, when going from group to group anyone has 63 days to get the new coverage and not worry about pre-existing. Second, the Federal law is that any child under the age of 19 will get coverage and the pre existing will be covered, with an individual policy (not group) they WILL rate up and I was told by one company that for Autism it could be a 700 % rate-up. Groups can not do that. Keep in mind that some policies have limitations on things like OT, PT and speech. They are still allowed to have those limitations, the benefit person at a job should know those limitations. Third.. " Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore " is incorrect. A 20yr old person with Autism COULD NOT get coverage unless they were getting on a group plan without a more than 63

day lapse or

if they have not had coverage for 6 months, the Pre-Existing policy from the state that I mentioned a few weeks prior. There is no " list " .

Hope this helps,

Jayne, Licensed Agent.

[Guest guest]

Depends on the group. My former employer had to pay higher rates due to pre-existing conditions, myself because of my daughter Johanna, and another employee who had a history of breast cancer. Insurance companies figure a way to get out of it, or make the costs so high you can’t afford it.Sherry