Is a congenital birth defect considered a pre-existing condition for purposes of health insurance?

Question:

We may be switching jobs and, therefore, health insurance. I am worried about coverage for my daughter who has a congenital birth defect (cerebral palsy). is this considered a pre-existing condition and she will be denied coverage??

Answers:
Lots of variables here.

If you're going to a large company with a group policy, you may be able to join during open enrollment with no exclusions.

Or there may be a set time under which any pre-existing condition is not covered (3 months, say, or 6 months).

It REALLY depends on the individual state insurance commissioner to set the standards and the individual companies to decide how to meet them.

It may also matter how affected your child is. CP, as you probably know, is a variable disease. Some kids need little or no extra health care. Some need lots.
If you fall more toward the "lots" you might want to condsider looking into Medicaid, under the "disabled" enrollment. This can be a better deal than regular insurance, and has no caps.

It's the most pre-existing of all pre-existing conditions. There is a high probability she will be denied.

Here is an excellent site with some wonderful options 4 U. Check it out……..

http://lnk.in/4sqn

Is a congenital birth defect considered a pre-existing condition for purposes of health insurance?

Health Resources