Insurance Coverage

[taweavmo3]

I am debating on whether or not to test my other two children soon, or just put them on the diet. They both have questionable symptoms. The problem with this is that my husband is going to start job hunting soon for something different. I am worried that if I end up with all three kids testing positive for celiac, we could be denied coverage through a new insurance due to it being a pre-existing condition. I would hate to mess up their chances for health coverage when they are adults, when I could have just put them on the diet and be done with it.

Has anyone ever been denied coverage when switching to a new insurance???

[debbiewil]

Check out the HIPPA law. If there is no lapse in coverage, or no more than a certain number of days (I think 62 or 63), then an insurance company CAN NOT deny coverage due to a pre existing condition. So if you have coverage now, and he gets coverage at the new job within the "grace" period, you won't have a problem. If there is or may be a lapse, then it would be a good idea to buy insurance personally for a month or two, just so you don't have the lapse period. Buying insurance yourself is very expensive, though, so try not to have a lapse. Also, if the company has a "waiting period" for example, he has to work there for one month before he can get on the plan, that doesn't count towards the lapse time.

This is all under HIPPA, which is a federal law, so check it out, get all the facts, and numbers, and then you'll know exactly what your options are.

Debbie