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The explanation appears in "fine print" in your certificate of coverage. The claim denial should tell you exactly the words from the certificate that is the basis for the denial. If you are not sastisfied with their answer, you can appeal the decision. THe denial letter should also give you instructions about how to appeal the decision.

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Q: Can a group health insurance deny coverage based on pre existing condition if they have no written explanations of such limitations and conditions in any written format?
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You will have to fill out a questioneer and disclose your condition. Your prexisting conditions do indeed matter.


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