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This one is about: Pre-existing Conditions and Insurance Coverage

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Pre-Existing Conditions and Insurance Coverage
The Health Insurance Portability and Accountability Act

(This document was excerpted from a post received on Cleft-talk)

Last year (1997), Clinton signed into law the Health Insurance Portability and Accountability Act. Part of this law addresses the problems of pre-existing conditions. It basically set new guidelines for insurance providers. I don't know all of the details, but here are some of them:

A pre-existing condition has to be something that has been identified or dealt with in the 6 months prior to obtaining the medical coverage. They can deny you coverage for it, but for no longer than 12 months. And, if you can demonstrate that you had medical coverage before obtaining the new coverage and that there were no breaks in coverage over 63 days, then they have to subtract from the 12 mos. period the number of days that you were previously covered. So, in our case, had Matt got out of the Army and found work with a new company in less than 63 days, they would have had to cover Justin completely because we had coverage on his conditions since the day he was born. The law was really designed to protect those people who would like to switch jobs, but are kept from doing so by a sick family member that would no longer have medical coverage. They are basically saying that if you have coverage, you should be able to get new coverage without having to wait for 12 month periods to expire.

I thought that was kind of interesting and may help somebody out there.


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