Check your contract for your health insurance policy and ask them to point you where in the policy contract they are drawing the justification for denying the claim from. As for a line and/or paragraph. If they can't do that or if what they point you to is worded poorly or loosely, contact the state insurance commission and file a complaint. Make sure you have all your dates on hand (when you got the policy, a copy of the policy contract, and a full record of all communications on this subject) in your report. If the bills are significant, and you feel like their justification for paying isn't justified in the policy contract, you may also want to consult an attorney.

I've only had to do this once for an auto insurance company that refused to pay up, but it gets things moving pretty quickly when they get a notice from the state or a law office.

that law doesn't go into effect until 2014. (pre-existing condition)

No Discrimination Due to Pre-Existing Conditions or Gender
Effective January 1, 2014

The law implements strong reforms that prohibit insurance companies from refusing to sell coverage or renew policies because of an individual’s pre-existing conditions. Also, in the individual and small group market, it eliminates the ability of insurance companies to charge higher rates due to gender or health status.

http://www.healthcare.gov/law/timeline/

Also, this guy has a great show on xm. (http://rubinhealth.com/). If you email him, someone WILL answer your question regarding health care laws.

Please post what you find out!

I had a lapse in coverage for three months and tried to buy insurance but was denied by everyone for my pre-existing condition. The only option out there was the Texas High Risk Pool (there might be similar programs in other states) and for me a 6 month waiting period for coverage.

that law doesn't go into effect until 2014. (pre-existing condition)

No Discrimination Due to Pre-Existing Conditions or Gender
Effective January 1, 2014

The law implements strong reforms that prohibit insurance companies from refusing to sell coverage or renew policies because of an individual’s pre-existing conditions. Also, in the individual and small group market, it eliminates the ability of insurance companies to charge higher rates due to gender or health status.

http://www.healthcare.gov/law/timeline/

Also, this guy has a great show on xm. (http://rubinhealth.com/). If you email him, someone WILL answer your question regarding health care laws.

Thanks so much; I'll definitely look him up. Do you by chance know what channel on XM?

It's just so frustrating. My son needs expensive treatment now and for the rest of his life. While 2014 will help, at that point, it won't be as big of a deal as we'll just be ending that 1 year waiting period for coverage. Our next option is I guess to appeal to the drug companies in the hope that there will be financial help there. We're looking at 2k a month in needed treatment. We're lucky to have a 1/4 of that left over after we pay our normal every day bills.

Dr. Radio, channel 81 I think. His show is on Thursdays around noon and rebroadcast throughout the week. You can check out the xm website to see when they rebroadcast.

You're right. Again, people have not read up on this "utopian" healthcare law. It's great for healthy people, not so great for sick ones...but maybe that's what obama had in mind..

The thread bumps when you reply. You don't have to post again just to say "bump".


The pre-existing waiting period is not part of Obamacare. Obamacare is putting a stop to that sort of thing.

I don't have insurance and have pre-existing conditions insurance companies won't want to touch. I imagine it's going to be a lot of fun a couple of years looking for coverage.

Does your state (or wherever you live) have a high risk insurance pool? Sometimes that can be an option if you meet the criteria (for example, here's Texas': http://www.txhealthpool.org/)