WOMENS-HEALTH Messages for March, 1999: Re: Confused new mother

Re: Confused new mother

From: AMD (anonymous@obgyn.net)
Tue, 9 Mar 1999 16:58:46 -0600 (CST)

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We did this when my husband broke his wrist a week before quitting his job (with health insurance) to move to another state (to be covered on my insurance). My understanding is that as long as you are continuously covered by some employer health plan, they can not enforce pre-existing condition exclusions. The idea is to keep people from being trapped in low-paying job because they can't afford to lose health coverage for a pre-existing condition. However, I believe they can have limits if you were not previously insured by a group plan. I am not an expert, but I have wandered through this mess before. We ended up having to buy my husband COBRA coverage because the new rule wasn't going into effect until 1/1/98 (this was November 1997). Also, confirm with the state insurance commission what the rules are in your state.

Most states have some provision for uninsured women and children to get pre-natal and well-child care. I would recommend checking with the county health department to find out what options are available. Many county health departments have some sort of women's services that could certainly help figure out the options.

Good luck to your sister!

Andrea

At Tue, 9 Mar 1999, Nancy wrote: >
>>> Many larger companies have less restriction to "pre >existing conditions" and some states insist that
>>>coverage be offered for pregnancy.
>>
>>However, the pregnancy will not be. They (Blue Cross -
>>Blue Shield, Louisiana) have a policy against covering
>>pre-existing conditions of any kind. At least this
>>clause is in her Fiancee's current insurance plan.
>>
>Double check this fact - the federal laws regarding group insurance
>policies changed as of July 1, 1998 (something like HIPO? - I'am not
>quite sure of the exact law). If the policy you are reading is before
>this date it may have changed. I have been told by agents in both FL &
>WI that group policies must cover me (I will be 7 months pregnant when I
>have to change my insurance). Small business policies (thats what we
>have to buy) can charge more because I'm pregnant but they can't deny me
>coverage. I currently have insurance so this may make a difference.
>Under federal law the pre-existing condition restrictions are waved if
>you have had continuous insurance coverage. This may not help your
>sister. But please double check everything since I have noticed that
>not everyone is aware (including me) of these recent changes to the
>group insurance laws.
>
>--
>Nancy
>

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