Re: Anyone have PRE-EXISTING CONDITION insurance complicatoins?

[Guest guest]

Actually if you have had continuous insurance coverage then I don't

believe an insurance company can deny you for " pre-existing " .

Actually I just looked it up... here is applicable portion of the

1996 Account and Portability Act. If you've had continuous coverage,

the last bullet point will be of interest to you

Under HIPAA, a group health plan or a health insurance issuer

offering group health insurance coverage may impose a preexisting

condition exclusion with respect to a participant or beneficiary only

if the following requirements are satisfied:

* a preexisting condition exclusion must relate to a condition for

which medical advice, diagnosis, care or treatment was recommended or

received during the 6-month period prior to an individual's

enrollment date;

* a preexisting condition exclusion may not last for more than 12

months (18 months for late enrollees) after an individual's

enrollment date; and

* this 12- (or 18-) month period must be reduced by the number of

days of the individual's prior creditable coverage, excluding

coverage before any break in coverage of 63 days or more.