Each insurance company makes determination of what group they want to target. Some will say “We’ll take all the business of those with “well controlled diabetes” and collect a larger premium for a higher risk, but maybe double out that risk by denying another commonly covered illness.
There are several biggies that most companies will not cover (keep in mind I am speaking on an individual plan-most if not all states have group laws regarding preexisting conditions, like in Georgia if you move from one group policy to another within 90 days, you have coverage without PEC) and that is cancer, diabetes (especially insulin controlled), AIDS, etc...
Now these conditions and stipulations MUST BE SUBMITTED for approval to the state insurance commissioner as part of their statistical calculations. Some policies will cover some types of cancer if a certain amount of time has gone by. Sometimes they will say “Your cholesterol is too high, we’ll cover you after six months if your level has gone to acceptable levels.”
I hope I explained what you were asking for. As I said, these all have to be approved by the State Commissioner Dept. That’s what drives me so crazy when hearing these stupid Dems demonize them for being ‘unregulated.’ They are probably the most regulated industry out there!
Thanks for the info.
They need to do what they demanded Obama do.
Scrap the whole damn thing and start over.
They can always take votes on aspects they like or people demand after they kill it dead. Keeping parts just confuses Idol nation.
KISS keep it simple stupids.
“They are probably the most regulated industry out there!”
I’d put it behind the banking industry, which has been centrally controlled for nearly the last century (and intermittently before then). Which, coincidentally or not, nearly sunk our economy. Almost makes one think there might be a correlation between government interference and poor performance.