Can Insurance Companies Deny Claims For Pre Existing Conditions

Learn more about what this means for you.

Can insurance companies deny claims for pre existing conditions. Are pre existing conditions still covered. While a diagnosis like arthritis may quickly come to mind many different pre existing diseases and conditions can complicate your car accident claim. Health insurers can no longer charge more or deny coverage to you or your child because of a pre existing health condition like asthma diabetes or cancer. Once you have insurance they can t refuse to cover treatment for your pre existing condition.

Passed in 2010 the affordable care act helps make health insurance. Many of us have pre existing conditions. The only exception to the pre existing coverage rule is for grandfathered individual health insurance plans the kind you buy yourself not through an employer. As of september 2010 a provision of the health reform law that prohibited insurance companies from excluding children younger than 19 with pre existing health conditions went into effect.

It is also illegal for them to charge more money for your plan because of the pre existing issue or refuse to cover the 10 essential health benefits that must be included in every insurance policy. Insurance companies cannot deny you health coverage based on a pre existing condition. At andy citrin injury attorneys we ve seen insurance companies dispute or deny claims when the accident victim lived with. I filed a claim with my insurance provider to receive reimbursement for the substance abuse treatment i received and they denied my claim for treatment for the dates starting jan 2014 through october 2014 because they said it is a pre existing condition and said that i had to wait 1 year before i could be covered for this.

When the child with preexisting medical conditions is insured an insurance company cannot deny treatment for child s preexisting medical condition. A pre existing condition is a medical illness injury or other condition that existed prior to the date the patient signed up with a health insurance provider. They also can t charge women more than men. They cannot limit benefits for that condition either.