Health insurance gap coverage
Common Questions and Answers about Health insurance gap coverage
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For policy years starting after Sept. 23, all health insurance policies in the individual market will be barred from cancelling coverage once you get sick — a practice known as “rescission” — unless you committed fraud when applying for coverage. Insurers will be prohibited from setting lifetime limits on your coverage. The plans must allow you to keep an adult child up to age 26 on your health plan.
If you are currently covered on an insurance plan & you get laid off, & you plan to switch to your partner's plan RIGHT AWAY...then there shouldn't be an issue with pre-existing conditions. It's only when you have a lapse in coverage when this comes into play. I think when I looked up info on it, there is a certain amount of days that you shouldn't go without health insurance..They want you to have continuing coverage.
gov/patients-rights
The passage of the Affordable Care Act was an historic victory for the American people, laying a new foundation for relief from skyrocketing health insurance costs and for secure, stable, and affordable health care coverage. But passage brought us an important new challenge -- implementation -- and I look forward to sharing additional news and updates as we steadily turn the promise of health reform into reality.
If drug treatment is covered by your health insurance- can it be denied as a "pre-existing condition" if you were getting treatment and paying out of pocket before you got the insurance??? Anybody know? Someone told my son that because of ADA it cannot be denied. Anybody know?
Hi
I suppose heatlh insurance that has prescription drug coverage.
My husband (40 y/o,healthy)and I (40 y/o, healthy) are looking to get our health insurance coverage from next present. Right now we are on cobra GHI( extension from my previous work place) but they are asking me to change to EMPIRE PPO or EPO since they will not have GHI. I did not have dental and vision coverage previously but even if I want it they are saying they cannot add it. They are also asking for a one year committment.
I have health insurance because of my mom but it didn't cover all of my expenses so I also have pregnancy medicaid and they pay after the insurance after my baby comes I'll go back to my regular health insurance and my baby will me on medicaid
My problem is the prescription options with the medicare prescription coverage is the gap. I will definitely reach and surpass the gap due to my insulin costs. This will increase by health cost tremendously as through my prior insurance the insuliln was provided. Do you know of any option for coverage for insulin (humolog and lantus) through the gap. This seems like discrimination that the insulin is not put in a special catagory since it is not an optional choice.
Its a new law, your larents insurance will cover you until you are 26, married or not, but not your baby. You will have to tell the insurance you are married bc you have to change your name with them.
Hello Everyone! I am so sick of health insurance companies its ridiculous!! My only idea of what to do next is go to their office and stomp up and down and scream at them to kiss my A**! I am at wits end... so I was hoping if i posted my insurance dilemma here.. maybe someone else has some insurance knowledge that they could share with me and a more appropriate plan of action than my stomping and screaming approach :) lol
Heres my issue....
If you had CREDIBLE medical coverage before getting this insurance and there was no gap in coverage then you are fine. I would KEEP the appointment without a doubt. If you say your coverage started on the first and your appointment is on the 5th then your find. As to any concern about a pre-exisiting condition....well, doesn't seem like you've been diagnosed with anything, so what condition could they deny you coverage for!?!
willing: "marcia: yeah, you and Trish may laugh and think this is all pretty weird but you have no idea all the fun you're missing out on! Arguing with dr's assistants about who bills whom, with hospitals about what's been paid, with the insurance companies about what's covered, with your employer about which insurance company to switch to (not to mention arguing with everyone else about how to stop arguing about this).
Like someone else said , the ONLY way to know how your insurance works and what is covered is to call your insurance and ask about your specific policy. I worked for a major health insurance company for years and the biggest mistake you can make is not calling them in advance. I also recommend finding out what options you have for permanent coverage for your baby.
s medical insurance and do not have a gap. But of course we all know there is no way someone like me could get individual insurance coverage. And there is no way to get individual life insurance or supplemental life insurance through an employer. And if you go too long without medical coverage (I think 63 days but don't quote me), then you can be denied for pre-existing conditions.
Sometimes these clinics help fill the gap for people who have no insurance. Is it possible to get DSHS medicaid coverage or something like it with your state agency? Perhaps someone at one of the clinics or the DSHS office with your state agency can help. I've had to do this before myself when I had no other way to get the medical coverage that I needed, including basic health care.
By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. Affordable health insurance plans available from Blue Cross California, Blue Shield, and top health insurance carriers. Health insurance quotes are instantly available online for you to review.
Hi, I was wondering if anybody could help me with a health insurance question? About a year ago Anthem Covered two separate visits to the doctors office that I had gone to. So initially they paid and I thought I was all set. Now, almost a year later, they retracted payment due to my coverage ending within days of the visits. I understand if I wasn't covered, but I am wondering how they can pay for it and then decide they were wrong and bill me a year later?
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