or is that just element of the group agreement for a typical employer group health plan. Does this swing by state?
Answers: Coverage cannot be denied because of HIPAA. However, the employer can pick and choose the plans and not all plans cover everything. So if your plan doesn't cover what you want covered here is no coverage. Also, plans are allowed to place a waiting period for coverage so what you want covered may be covered after that.
Sort of. The law say, as long as you are moving from one insurance policy to another group policy, you've had 12 months of prior continuous coverage next to 63 day perforation in coverage or smaller amount, they are not allowed to exclude coverage for pre-existing conditions.
HOWEVER, if you're joining a group plan, and you haven't have any health insurance for yesteryear six months, or year, or you've had a crevice longer than 63 days, they ARE allowed to exclude coverage for pre-existing conditions.
It does not vary by state.
With an individual plan, you hold to provide documentation of your medical conditions, and an insurer can deny you a policy entirely if you don't pass through the underwrite process.
With a group plan, you don't have to "pass" medical underwrite like you would beside an individual policy. You are entitled to the policy as long as you are an eligible employee of the group.
However, the group plan can still enjoy a pre-existing condition clause. If you've had continuous insurance coverage prior to the group plan launch, then the pre-existing clause wouldn't apply to you. If you did not own continuous health insurance coverage prior to enrol in the group plan, coverage for a pre-existing condition can be excluded for a specified time term.
You may need to provide more details to your situation, so that we can assist you better. Have you have continuous insurance coverage? Are you being denied a policy entirely, or are you a moment ago being denied coverage for a pre-existing condition?
It's a federal mandate call HIPPA
http://www.dol.gov/dol/topic/health-plan...
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Answers: Coverage cannot be denied because of HIPAA. However, the employer can pick and choose the plans and not all plans cover everything. So if your plan doesn't cover what you want covered here is no coverage. Also, plans are allowed to place a waiting period for coverage so what you want covered may be covered after that.
Sort of. The law say, as long as you are moving from one insurance policy to another group policy, you've had 12 months of prior continuous coverage next to 63 day perforation in coverage or smaller amount, they are not allowed to exclude coverage for pre-existing conditions.
HOWEVER, if you're joining a group plan, and you haven't have any health insurance for yesteryear six months, or year, or you've had a crevice longer than 63 days, they ARE allowed to exclude coverage for pre-existing conditions.
It does not vary by state.
With an individual plan, you hold to provide documentation of your medical conditions, and an insurer can deny you a policy entirely if you don't pass through the underwrite process.
With a group plan, you don't have to "pass" medical underwrite like you would beside an individual policy. You are entitled to the policy as long as you are an eligible employee of the group.
However, the group plan can still enjoy a pre-existing condition clause. If you've had continuous insurance coverage prior to the group plan launch, then the pre-existing clause wouldn't apply to you. If you did not own continuous health insurance coverage prior to enrol in the group plan, coverage for a pre-existing condition can be excluded for a specified time term.
You may need to provide more details to your situation, so that we can assist you better. Have you have continuous insurance coverage? Are you being denied a policy entirely, or are you a moment ago being denied coverage for a pre-existing condition?
It's a federal mandate call HIPPA
http://www.dol.gov/dol/topic/health-plan...
Resolved Questions: