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Ask Our Specialists
Having questions regarding the pre-existing condition. On the website, it mentioned a 6 month waiting period. However, according to the U.S. Department of Health and Human Serves, the insurance company cannot refuse to cover treatment for clients' pre-existing condition. Also, I don't understand what the $500 pre certificate period means.
Those regulations set by the PPACA are not applicable to short term or international plan as they are exempt from the 10 essential health benefits required by the PPACA. Hence the reason they are not considered to be PPACA compliant plans.
So that statement given to you by Health and Human Services would not be applicable in this case as it relates to these plans.
The plan is stating that you would have to wait 6 months before the plan will cover anything related to a pre-existing condition so the first 6 months any related expenses would be denied. After the 6 month waiting period the plan would cover up to $500 for pre-existing conditions per certificate period.
If you have any additional questions please feel free to contact our office.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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