Pre Existing Condiotions Clause
Missouri High Risk Pool Information and Application - Anthem Blue Cross and Blue Shield
The cost for the MHIP-PCIP federal pool program is a monthly premium and varies according to the age of the enrollee. Premiums can be billed and paid monthly or quarterly. Premiums can also be automatically deducted from the enrollee’s bank account. The Patient Protection and Affordable Care Act (PPACA) mandates that […]
Pre-existing Condition Credits on Short Term Health Insurance Plans
Unlike traditional major medical plans, short term health insurance policies do not provide pre-existing conditions credits. Simply put, pre-existing conditions are not covered.
Although short term plans can provide a good option to fill a gap in coverage, I would recommend going with a traditional major medical health insurance plan if you are eligible and can […]
Why are you not able to purchase an individual health insurance policy for children in Ohio (Post Health Care Reform)?
The main reason is that Ohio cannot demand insurers sell the health insurance coverage and the carriers (Anthem, UHC, Aetna, Medical Mutual of Ohio) have been forced to protect themselves against adverse selection.
Carriers are worried consumers will wait until a child is sick before trying to buy insurance. Under current conditions, those seeking coverage […]
Health Insurance for Ohio Children - Post Reform
The Ohio Department of Insurance plans in the next few days to issue an emergency rule that officials hope will entice health insurers to reverse decisions to stop offering policies for Ohio children on the individual market to avoid federal health reform requirements, Columbus Business First reported.
Several of the state’s […]
Medical Mutual of Ohio: High Risk Pool
As of August 1st, 2010, Medical Mutual of Ohio has been accepting applications for the Ohio High Risk Pool. The High Risk Pool is a result of the Patient Protection and Affordable Care Act (PPACA), or health care reform, which was approved by President Obama on March 23, 2010. The purpose of the […]
What is a pre-existing condition clause?
Many individuals do not even look at options outside of the plans offered by thier employers. Many times the reason for this is that they believe that any conditions that they currently have would not be covered by a new plan, but this is incorrect.
The pre-existing condition clause is actually defined as:
The overriding federal law […]
