Can new insurance put exclusion rider on my policy even if i had continued coverage prior to changing plans?
Monday, March 8th, 2010I got a new individual health insurance plan after ending my Cobra. 2 years prior to switching plans I had a surgery which was fully covered by my then employer’s plan. The new health insurance company placed lifetime-of-the-policy exclusion rider to not cover this pre-existing condition. There was a break in coverage between the plans for 1 month.
HIPAA laws don’t cover you switching from group to individual plans, so not only can they exclude it but they could’ve declined you outright. This is a question you should be asking of your insurance broker. AND, if you didn’t buy from an insurance broker then you did yourself a disservice.
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http://HaywardHealthInsuranceQuote.com/ For self employed, getting a short term health insurance plan is a very good option.![Oversight of the Insurance Industry; Blue Cross]blue Shield--Empire Plan (New York): Hearings Before the Permanent Subcommittee on](http://www.sonicbozo.com/wpshopping/uploads/2086973.jpeg)
Feb. 23 (Bloomberg) — Karen Ignagni, president of Americas Health Insurance Plans, talks with Bloombergs Betty Liu and Peter Cook about the outlook for Presidents Barack Obama bipartisan summit on health care.
Gov. Ed Rendell on CNBC, February 23, 2010 7:38 AM ET