Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 Yes, it is illegal for an insurance company to deny coverage of expenses incurred for pre-existing illness BUT some companies get around this by using a waiting period. My insurance, for example, says they won't cover pre-existing conditions for up to 3 months, less any amount of time prior to the begining of the policy for which I did not have previous comparable insurance coverage. In other words, if I start a new insurance policy on April 1st, but had another policy in good standing through March 31st, then there is no waiting period for pre-existing conditions. On the other hand, if I had dropped my previous insurance February 1st, then I'd wait 2 months after April 1st before I could have any coverage for the pre-existing condition. It's confusing stuff, this health insurance! Just be sure you get whatever they tell you over the phone put in writing, otherwise your butt could be screwed when it comes to actually getting coverage for something they told you over the phone would be covered, if they later deny coverage for the same thing. I've had this happen to me, and now am in the hole $4000+ so I know from first-hand experience unfortunately. -Joy (husband has EG, Asthma, Allergies) ______________________________________________________ Get Your Private, Free Email at http://www.hotmail.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 Phyllis, Be careful about switching the insurance. Most policy's have a pre existing condition clause in them, and won't cover preexisting conditions until the person has gone for six months on the new policy, symptom free. You need to get a copy of the new policy first, then call and ask about it. They may not only not cover the Neocate, but any other medical expenses. Hope that helps. J.C. > Message: 8 > Date: Wed, 2 Feb 2000 19:31:32 -0500 > > Subject: health insurnace > > Curious if anyone who has the Neocate covered by insurance has switched > insurances?? I feel like this is committing suicide since we are covered, > but we are paying $750/month for insurance. We are switching as of April 1 > and it will only cost us $250 ish. We will go thru my husbands work. I > have been trying to stockpile the Neocate in the meantime. I said she must > be going thru a growth spurt. That will give us some leadway-if needed. > Thanks. > > Phyllis Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 I THINK PRE-EXISTING CLAUSES ARE NOW ILLEGAL!!!!! S. health insurnace >> >> Curious if anyone who has the Neocate covered by insurance has switched >> insurances?? I feel like this is committing suicide since we are covered, >> but we are paying $750/month for insurance. We are switching as of April >1 >> and it will only cost us $250 ish. We will go thru my husbands work. I >> have been trying to stockpile the Neocate in the meantime. I said she >must >> be going thru a growth spurt. That will give us some leadway-if needed. >> Thanks. >> >> Phyllis > > > >--------------------------- Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 I didn't know pre-exsisting clauses were illegal everywhere, but i do know that they are illegal in New Jersey. Thanks. Phyllis Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 < > If you have continuos (that means that you've went no more than 63 days between health insurance companies) health insurance coverage for the last 24 months (or since birth, whichever applies), then any existing condition you have cannot be disqualified as a " pre-existing condition " . This means that you will have full medical benefits for the particular condition. Even pregnancy (the biggest pre-existing condition of them all) cannot be discounted anymore! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2000 Report Share Posted February 4, 2000 Joy - Your insurance company is not obeying the law. I would suggest calling your local commissioner of insurance. They can provide you with information and much-needed backup. They cannot give you a waiting period. That is the exact definition of " pre-existing condition limitation " !!! I know it's confusing, but I just spent two months fighting an insurance company and finally won! Quote Link to comment Share on other sites More sharing options...
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