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Ann G's Question
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<blockquote data-quote="bigblueagain" data-source="post: 4104" data-attributes="member: 909"><p>Ann, according to the federal law, as long as you have had employer group coverage for one year, then no they should not deny for ANY preexisting condition. Now if you are trying to get an individual policy, which is not employer sponsored then they may be able to deny. Reasonable as individual carriers maintain a much higher risk of catastrophic types of occurences ( and possible treatment for ADHD when you could foresee a Residential Treatment Center (RTC) admission would be considered catastropic considering they usually run about $10,000/mo), therefore an individual policy underwriter has different laws they operate under. BLUE</p></blockquote><p></p>
[QUOTE="bigblueagain, post: 4104, member: 909"] Ann, according to the federal law, as long as you have had employer group coverage for one year, then no they should not deny for ANY preexisting condition. Now if you are trying to get an individual policy, which is not employer sponsored then they may be able to deny. Reasonable as individual carriers maintain a much higher risk of catastrophic types of occurences ( and possible treatment for ADHD when you could foresee a Residential Treatment Center (RTC) admission would be considered catastropic considering they usually run about $10,000/mo), therefore an individual policy underwriter has different laws they operate under. BLUE [/QUOTE]
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