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Re: Another question for Kim regarding insurance

From: R. Daniel Braun, MD (anonymous@obgyn.net)
Thu, 25 May 2000 17:51:19 -0500 (CDT)

At Thu, 25 May 2000, Jane wrote: >
>At Thu, 25 May 2000, Kim wrote:
>>
>>I just have to put my 2 cents in. I think it's really a shame that
>>insurance companies could even think about denying a woman coverage for
>>a pregnancy. We're talking about the well being of a new little life!
>>There must be something that can be done about this.
>>
>>I have an HMO and fortunately they did cover my pre-existing pregnancy.
>>
>>Thanks for letting me vent.
>>
>>At Wed, 24 May 2000, Jane wrote:
>>>
>>>I have had an equal muber of people tell me that they will not cover the
>>>pregnancy as have told me that they will Under the new health law it
>>>says that pregnancy is not a pre-existing condition. Could it be that
>>>this law was not in affect at that time in 1992. I am not trying to be
>>>dishonest with the insurance company. They ARE going to know when I
>>>conceived.
>>>
>>>--
>>>JD Anderson
>>>
>>--
>>Thanks, Kim
>>Kim- That is great, what type of a plan did you have and how far along were you?
>
>--
>JD Anderson
>

In general, you must contact your insurance company. Then when they deny coverage that you think is covered in the contract between you and them that you signed when you bought the policy( or your employer did when they bought the policy), you need to take the complaint to the State Insurance Commissioner or Panel or whatever it is in your state and they can adjudicate the dispute. It is a matter of contract law and what was in the contract that was agreed to. Any contract that was issued when a certain law mandates certain things, must have those things in the contract.

RDB 

--
R. Daniel Braun, MD FACOG  FOG


This is for educational purposes only, and is not intended to be replacement or substitute for consultation and examination by an appropriate medical professional.  Due to time constraints, private e-mails cannot be answered.



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