answersLogoWhite
Ask
Medical Insurance

If you have to provide medical ins for your ex who has an existing medical condition where can you get the best most cost effective coverage?

454647
Answer

Top Answer
User Avatar
Wiki User
2008-07-30 12:28:13
2008-07-30 12:28:13

You're probably NOT required to get her the coverage, but to pay the premiums. You also have a problem with HIPAA Privacy in that she doesn't have to tell you what her medical problems are, nor can you sign the application for her. You may be able to get coverage, without any problems. Then you just have to worry about how long the waiting period is. If she had prior coverage in the last 63 days that coverage applies to the new waiting period.

1
0

Related Questions

User Avatar

In certain situations, yes. Medical coverage is not a guarantee, and insurers can eliminate applicants due to pre-existing conditions.

User Avatar

Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.

User Avatar

What are pre-existing conditions and how do they impact coverage? A pre-existing condition is a health condition (other than a pregnancy) or medical problem that was diagnosed or treated during a specified timeframe prior to enrollment in a new health plan. Some pre-existing conditions may be excluded from coverage during a specified timeframe after the effective date of coverage in a new health plan. Plan documents will provide specific information on pre-existing conditions.The Health Insurance Portability and Accountability Act of 1996 (HIPAA) helps to protect millions of Americans and their families who have pre-existing medical conditions or who might suffer discrimination in health coverage based on factors relating to their health.http://www.aetna.com/members/faq_healthplan.html#12

User Avatar

A pre-existing condition any medical condition that your have been diagnosed with, prior to the time of application. Some pre-existing conditions can cause an applicant to be declined coverage. Other conditions may cause the insurance company to place a "rider" on the condition, meaning they would not cover the condition itslef but will still offer coverage to you.

User Avatar

No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.


Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.