The flip side of that statement is: In 5 states across the country, insurance companies can not discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market.
In my state, "An individual applicant without prior coverage may have to wait for up to one year for coverage of a pre-existing condition." But after that, they are covered.
Just finished working for a company that was self insured they had a 1year wait on pre existing conditions. Didn’t matter on previous coverage. They didn’t say anything just denied payment. I had to quit because it was too expensive. Current employer no wait on pre existing.
You don’t know till the bills come in. There should be a disclosure.
Just finished working for a company that was self insured they had a 1year wait on pre existing conditions. Didn’t matter on previous coverage. They didn’t say anything just denied payment. I had to quit because it was too expensive. Current employer no wait on pre existing.
You don’t know till the bills come in. There should be a disclosure.
Looking at short term policies in Ohio. 12 month wait to cover pre-existing but its waived for children under 19. My insurance runs out next week so I am getting everything possible in for me and my family before that time. However, I can’t get my annual liver CT scan for tumors I have had for years. I am monitored for their growth as they are quite large but the procedure will be denied for that first year.
I bet that 90% of all insurnaces have a year to two year wait period on pre-existing conditions.
The four different companies for whom I have worked (in different states) all had this requirement.
This the clear SUPER-MAJORITY.
That has been the federal law (I believe) since Clinton was in office.