CA AB 1672 aka Insurance Code 10700 et seq - see the term ELSEWHERE below (r) "Creditable coverage" means: (1) Any individual or group policy, contract, or program, that is written or administered by a disability insurer, health care service plan, fraternal benefits society, self-insured employer plan, or any other entity, in this state or elsewhere, and that arranges or provides medical, hospital, and surgical coverage not designed to supplement other private or governmental plans.
== == Probably.
Only if the pregnancy began before the insurance policy.
Yes, in most states pregnancy is considered a pre-existing medical condition, and applicants for individual or family health insurance can be declined coverage if they're currently pregnant. In addition, some states allow health insurance companies to include clauses in newly issued policies that prevent them from being liable for any costs resulting from a pregnancy that occurs within the first year of coverage.
It depends on what is causing the sleep apnea. It is preexisting if it is caused by tonsils, adnoids, or an elongated uvula. It is not preexisting if it is caused by being overweight, or possibly by a deviated septum.
More and more insurances are beginning to cover pregnancy that is pre-existing. The only way to find out for sure is ask the insurance or the company that she is going to work for should have someone that knows the insurance plans. * In a group insurance plan, pregnancy cannot be considered a preexisting condition. Here is a link to the federal law. http://mtnhealthinsurance.com/index.php?pageName=sec300gg
pregnancy
is pregnancy considered a pre-exsisting condition for medical coverage
A thyroid condition can present some challenges when a woman is trying to get pregnant. However if a woman's doctor(s) are aware of her preexisting thyroid condition going into pregnancy, this will aid in the management of the condition during pregnancy and postpartum.
In Group insurance Yes In individual or family, probably. I'm not familiar with Texas Law. Check with a local agent,
No. First your girlfriend cannot be an insured on your medical insurance because she has no legal rights as she is not a family member. Read your policy and you will see who is allowed to be an insured on your policy. Secondly, even if she was your legal spouse the pregnancy is a preexisting condition and would not be covered anyway.
Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=480021 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby).
You should contact your state DHHS (Dept. of health & human services) and apply for Medicaid... You could do it online. I live in Texas and EVERY insurance company has told me that they will not cover the pregnancy/maternity costs b/c it is a preexisting condition. The HIPPA act only covers you if you have insurance already or within the past 63 days.