Skip To Main Content

Español

Main Content

No pre-existing medical condition limits from birth to age 19

Please Log in or select your state for the most up to date information

no pre existing condition limits

Do you have a child under 19 years old? He or she can't be denied health care coverage because of a "pre-existing condition." A pre-existing condition is a health problem that was discovered or treated before applying for the coverage. This applies whether your child was covered under a different plan or had no coverage at all.


Here's what's different

In the past, health plans could limit or deny benefits or coverage for children because of a pre-existing condition.


How it impacts you

Now your health plan can't deny your child's coverage because of a health problem or disability that developed before you applied for coverage.

My 13-year old daughter was hospitalized with asthma recently. My health plan denied payment for the hospitalization. They said that, under our policy, my daughter's asthma is considered a pre-existing condition. Is that right?

No. Under the new law, the health plan can't deny payment for the hospitalization based on your daughter's pre-existing asthma condition.

Does this law apply whether or not my child already had coverage?

Yes. Under any circumstance, your health plan can't deny coverage for your child based on a pre-existing condition.

Does the law apply to an individual health policy I bought for my family in 2011?

Yes. However, it does not apply to grandfathered individual health policies bought before March 23, 2010.

What can I do if my plan tries to deny coverage because of a pre-existing condition?

Under the Affordable Care Act, you have the right to appeal.

I am 30 years old. Does this law apply to me?

No, not yet. But in 2014, this protection will be extended to Americans of all ages.

Member Log In


Useful Tools


  • If it’s not an emergency (and you can’t get to your regular doctor) - there are other options for fast, more affordable care.

    Link to more


  • *Required Field:
    *
    Can't remember your claim number? View Claims