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Ari
Do health insurance carriers consider prematurity a pre-existing condition non-elegible for coverage?
if i have to change jobs and thus change insurance carriers, does anyone know if a dependent child's health issues due to prematurity would be considered a pre-existing condition and not be covered????
If you are just changing from one plan to another plan with no lapse in coverage then there will be no pre-existing condition. The only time they count pre-existing condition is if you have no coverage and then all of a sudden want coverage. They do this because some people go without coverage until something is wrong with them then they want coverage. If you are just changing insurance carriers you are fine because you had previous coverage. When you switch carriers the old carrier will send you a COCC letter showing that you had previous coverage so it will waive pre-existing conditions.
zippythejessi
Probably not, but check with your existing plan to get an idea.
The only way it would probably be classified is if your child has major issues that require ongoing treatment. For example - some plans classify asthma as pre-existing because there's maintenence medication involved, and if a flare up happens, it can cost them big bucks. (For someone whose asthma is well-controlled, the flare ups are few and far between.)
informationdetective
All health insurance companies are different. Some are strict on pre-existing conditions, other's are not. Your best bet is to shop around and compare prices.
You can get five free quotes at:
http://usainsurancequotes.org
butter
if you want life security you have to check more info
http://www.freewebs.com/getinsurance
mkulda
You are one of the few that will be benefitted by a federal law known as HIPAA or Health Insurance Portability and Accountability Act.
One of the provisions allows consumers to switch health plans and as long as they remain continually insured, then the new health plan must cover the pre-existing conditions without exclusion (thus....portability).
The key is you have to be continually insured. If you lapse, even for a short period, the new insurer will have the right to deny your benefits.
mua
If you are adding on to a group policy, with no lapse in coverage, no underwriting should apply. If however, you are looking for an individual policy, the health history of the entire family will be underwritten.
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