Pre-existing Condition Exclusion

In some cases, a health insurance company may exclude a patient’s pre-existing conditions from coverage under a new health insurance plan. This is more typical with individual and family health insurance plans and less common with group health insurance plans. HIPAA legislation imposes certain limitations on when a health insurance company can exclude coverage for a pre-existing condition. PPACA prohibits pre-existing condition exclusions for all plans beginning January 2014 and prohibits pre-existing condition exclusions for all children under the age of 19 in new policies sold on or after September 23, 2010.

American Trustee Financial Services can help you invest in the health of your employees with group medical insurance. Book an appointment today to go over your options.

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