In the attempt to scare people into accepting the health care reform being proposed in Congress, President Obama is telling us that people will be spared coverage denials due to pre-existing conditions is these reforms are passed. The dirty little secret is that since the passage of HIPAA in 1996, coverage for pre-existing conditions is not a real problem any more.
HIPAA protects anyone who signs onto a group policy, which is 90% of all insured. The maximum waiting period for a preexisting condition is one year and the waiting period is reduced by the number of months in the previous calendar year the person had coverage. For example, if a person worked for a company and had insurance there, he or she can change jobs, go to a different company, and every preexisting condition he or she has would be covered with a certificate of credible coverage from his or her previous insurance company.
The bogeyman about pre-existing conditions is a lie.
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