Re: What now??

Susan wrote:
x-no-archive: yes

Wes Groleau wrote:

ted rosenberg wrote:

Not in the US - it is prohibitesd for employer groups to have pre-existing condition clauses. You either got something other than group, or you were scammed.



Citation, please ?

You might be right--but if you are, a very large company
I know of is getting away with a lot.


Pre-existing condition clauses are not prohibited, but must comply with certain provisions of HIPAA:

http://www.dol.gov/ebsa/publications/top15tips.html#tip1


Susan



I owe Susan a complete apology on this one. In general, the NAIC model policy requirements prohibit pre-existing condition clauses in group, and most State law does, but HIPAA does permit it under some instances. I do not know if any state permits it, and I no longer subscribe to the Insurance Law Service, so I can't verify for state I am not COMPLEATLY familiar with.

Excellent research Susan. You provided a good citation, and I was just plain WRONG
.

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