“(A) Pre-existing conditions provisions shall not exclude or limit coverage for a period beyond twelve months following the policyholder’s effective date of coverage and may only relate to conditions during the six months immediately preceding the effective date of coverage. “
Yeah...you used to be able to avoid any exclusions due to pre-existing conditions by showing a certificate of creditable coverage. As long as the certificate showed no gap in coverage, they couldn’t deny coverage for pre-existing conditions on new policies. That’s why I always stressed with my sons that they should NEVER allow a lapse in coverage!
I’m not sure when things changed, but apparently, even if you never let your insurance lapse, never have a gap in coverage, they can still put a rider on your new policy which excludes the pre-existing condition for one year. My son’s rider page doesn’t even indicate the exclusion is limited to one year, even though that’s the law.
Why am I not surprised? Oh...and this beats all:
“Your Health Insurance policy cannot be cancelled because you get sick.”
LOL, they don’t cancel the policy, just exclude the sickness!
“Ohio Health Insurance companies must renew
your policy as long as the premium payments are paid up to date. “
LOL, so, they jack up the premium to a gazillion dollars to get rid of you.
Aggghhh...I worked in insurance tooooo long!
Insurance: a necessary EVIL.
First, the states already regulate the insurance industry.
Second, If there is a loophole that is allowing the company to jack her rates up that much then there's remedies for that without changing a whole system.
Third, I'm still not buying her whole story.
I'm wondering if this lady is not referring to a 3 month policy and not a 1 month. Based on what I found a three month policy for her age, company, area, would be $706.44.