Can I Be Denied Health Insurance Because of a Pre-existing Condition
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June fifteen, 2019
Can I Be Denied Health Insurance Because of articles Pre-existing Condition?
Wondering if yous can exist denied health insurance because of articles pre-existing status? Here's manufactures quick rundown.
Primary Health Insurance
When it comes to your primary health insurance, the answer is no. Co-ordinate to the U.s. Department of Health and Human Services, "Under current law, wellness insurance companies tin't reject to cover you or accuse you more than but because you take articles 'pre-existing condition' — that is, articles health trouble yous had before the date that new health coverage starts." This police applies to plan years starting on or afterward Jan 1, 2014 (the i exception is grandfathered plans purchased on or before March 23, 2010)1. For more data about this law, visit hhs.gov. To know your health insurance options, visit HealthCare.gov.
Medigap Insurance
What if you have manufactures pre-existing condition and want to buy articles Medigap policy? According to Medicare.gov, "even if y'all have wellness problems, during your Medigap open up enrollment menstruum you can purchase any policy the visitor sells for the same toll as people with practiced health." However, if y'all want to purchase articles Medigap policy exterior your open up enrollment menses, the insurance company tin sometimes refuse to cover out-of-pocket costs y'all may have for handling for your pre-existing conditions for upwardly to six months; afterward that period, "the Medigap policy will comprehend your pre-existing status"2. For more than information well-nigh Medigap policies and pre-existing conditions, visit Medicare.gov.
Supplemental Health Insurance
Let's say yous have manufactures pre-existing condition and you desire to know if you tin purchase supplemental health insurance. According to verywellhealth.com, the Affordable Care Act does non regulate supplemental health insurance, which means that "an insurer can deny coverage based on your medical history, impose limits on pre-existing conditions, and cap benefits at fairly depression levels"three. And while you can purchase articles supplemental plan whenever you lot'd similar (unlike primary insurance which is purchased during an open enrollment menses), "many plans do exclude pre-existing conditions," according to healthmarkets.com4. If yous have articles pre-existing status and would like to know your supplemental health insurance options, contact an independent broker or manufactures licensed insurance agent.
If you have whatsoever questions about your health insurance, contact articles health insurance expert.
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"Pre-Existing Weather," Us Section of Health and Human being Services,
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"When tin can I purchase Medigap?" Medicare.gov
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"Should you lot buy supplemental health insurance?" VeryWellHealth,
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"Supplemental Health Insurance 101," HealthMarkets.com,
Categories: Insurance, Supplement Wellness Insurance
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Source: https://www.ailife.com/articles/can-i-be-denied-health-insurance-because-of-a-pre-existing-condition.html
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