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Re: New Dem message: 'Improve' health care, don't talk cost
You really didn't adress or contradict anything I said.
But... if the 6 year old's asthma were covered by the employees prior insurance policy (which is implied in the story) it's very likely they had the policy long enough to have the waiting period completely waived.
i read it.....
To illustrate, suppose someone enrolls in a group health plan on January 1, 2006. This person had previously been insured from January 1, 2004 until February 1, 2005 and from August 1, 2005 until December 31, 2005. To determine how much coverage can be credited against the exclusion period in the new plan, start at the enrollment date and count backwards until you reach a significant break in coverage. So, the five months of coverage between August 1, 2005 and December 31, 2005 clearly counts against the exclusion period. But the period without insurance between February 1, 2005 and August 1, 2005 is greater than 63 days. Thus, this is a significant break in coverage, and any coverage prior to it cannot be deducted from the exclusion period. So, this person could deduct five months from his or her exclusion period, reducing the exclusion period to seven months. Hence, Title I requires that any preexisting condition begin to be covered on August 1, 2006.
You really didn't adress or contradict anything I said.
But... if the 6 year old's asthma were covered by the employees prior insurance policy (which is implied in the story) it's very likely they had the policy long enough to have the waiting period completely waived.