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Date: | Thu, 2 Apr 1998 13:21:38 -0500 |
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<<Disclaimer: Verify this information before applying it to your situation.>>
I would like to thank everyone who sent e-mail posts in response to my
question about insurance companies. I will summarise them:
***by HIPA law I should be able to stay under my husbands old insurance -
and we would be the one to pay the premium.
***to go easy and if the problems do not resolve to check to see if there
is a State Commerence Commissioner who will help with regulating health
insurers and not allowing open enrollment.
***if there is not a state insurance commisioner there could be a state
ombudsman to help follow us through this.
***I was reminded that it was against the US federal law for an insurance
company to deny any individual coverage under a group medical plan because
of a medical condition. And, a pre-existing condition exclusion period of
no more than 12 months can be imposed.
***refer to celiacs as malabsorption syndrome or gluten-sensitivity
enteropathy.If need be go to the supervisor, or the company's benefit
officer, and send a
long letter asking for all of your records and make them re-evaluate.
***see if the company has open enrollment. For in smaller companies they may
have insurance that have a clause that will insure all new employees but will
not cover "pre-existing conditions" for the first 6-12 months. Or there may be
a clause to refuse to issue insurance based on medical history.
***look on the web at the Revised Code of Washington, for in the state of
Washington where they have this law an insurance company has to insure people
with pre-existing conditions.
Thanks again to all - we are looking into various things.
Bonnie H
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