ccolleen413
Newbie
Posts: 31
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I don't know if it's a state law or a federal one but here in WI you can not be denied insurance due to a pre-existing condition provided you have had major medical insurance in the last 90 days prior to becoming eligiable. One of my co-workers even went so far as to buy a 30 day limited coverage, high cost policy just so she wouldn't go over the 90 day period. Which is quite a relief for me since I have an endocrine condition that will eventually lead to diabetes, heart disease, high blood pressure, cancer ......... Maybe this law exists other places too.
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whitesatin
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That is a very good point Colleen. Maybe deedeeb can investigate the laws further in her state and find she has an out in this dire situation.
Thanks for your input.
WhiteSatin
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barbri
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That may be a new federal requirement (within the last few years). That's why those of us who have changed positions in the last few years received a statement of coverage from our insurance companies (at least that's what happens here in Michigan). That way you can prove to the new insurer that you were eligible and received coverage in the previous X years and it affects how they handle pre-existing conditions. Sorry, I've been out of HR for about 4 years now and am no longer "up" on the latest regarding health insurance. But definitely look into it further, Colleen.
Barb
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ssc1208
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That's a federal law, called Health Insurance Portability and Accountability Act (HIPAA), it went into effect in August, 1996. www.hipaa-iq.com/www.hipaacode.comI'm not certain of the exact details, but I know that like others have said, if you have had major medical within a certain amount of time, then they can't deny you. |
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