Monday, November 12, 2012

Is there a law that says a child cannot be denied health insurance

Is there a law that says a child cannot be denied health insurance?
Ok, so my daughter was just recently denied health insurance right before her first birthday. I filed an appeal for the decision and the date is set for september 24th. I want to gather as much info as I can to show them that they can't deny her health insurance. I live in Arizona, not sure if that's important or not. But if anyone has any idea how I can find out this information or you have any website or anything that will help me get her insurance back it would be so much appreciated.
Insurance - 5 Answers

Random Answers, Critics, Comments, Opinions :
1 :
Obama put out a plan that if you get rejected by at least 2 different insurance companies you can get insurance at a normal price for her age range. You have to have proof that you have been denied. AND, you have to be uninsured for at least 6 months. Look into this - keep asking or researching. Kiplinger Magazine (the finance magazine) has a very detailed article on this. Please read it http://kiplinger.com/columns/ask/archive/faqs-on-the-new-highrisk-pool.html?topic_id=21 This could turn your life around. /
2 :
Theres a difference between being denied Insurance and Being denied Care There are no laws on the books that make it illegal for a child not to be insured, we would have had a Universal plan for your daughter to have some coverage but that was knocked out of the Healthcare bill. Your daughter can always go to a hospital and recieve care (its illegal not to treat a person if they seek medical help) but its not illegal for her not to be insured.
3 :
Currently, there is not. There might be in the future.
4 :
There is no law, nor is there any law requiring anyone to have insurance until 2014. They can indeed deny her. Sorry. Why would you think the rules don't apply to you?
5 :
No. The new law is, health insurance policies for children cannot exclude coverage for preexisting conditions. That means, any child with a preexisting condition, is going to be refused insurance, because the insurance companies STILL don't want to cover preexisting conditions. It also means that "child only" health insurance policies are getting very hard to find. Arizona is NOT a "guaranteed issue" state. The insurance company can refuse to write a policy for your child. And, with a child under 1, they're going to refuse most of the time, in most parts of the country - infants require a TREMENDOUS amount of "well baby" checkups and expensive immunizations and testing, even when they're apparently perfectly healthy.

Read more discussions :