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Health Insurance Market Reforms: Pre-Existing Condition Exclusions

Health Insurance Market Reforms: Pre-Existing Condition Exclusions
Insurers pursue multiple strategies to reduce the cost of covering enrollees with pre-existing conditions, or medical conditions and
health problems that existed before the individual enrolled in a health plan. One strategy, the pre-existing condition exclusion, allows insurers to refuse to cover any costs associated with care for a pre-existing condition permanently or over a period of time.Beginning January 1, 2014, insurers in the individual and group markets will be prohibited from imposing pre-existing condition exclusions under the Affordable Care Act. This new fact sheet provides an overview of how pre-existing condition exclusions are regulated under current law, and how the ACA will change those regulations in 2014, enabling consumers to access necessary benefits and services beginning from their first day of coverage.

 

 

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Click the above logo to be taken to an interview of Adria Gross by CBS news

CBS network logo

Click the above logo to be taken to an interview of Adria Gross by CBS news

Healthwatch New York with Angie Kristic, Part 1
Healthwatch New York with Angie Kristic, Part 2
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Medwise Insurance Advocacy Founder Adria Gross: Featured Speaker At 92nd St Y In New York City In March

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Testimonials
MedWise Insurance Advocacy
You are just AMAZING a total angel... thank you, thank you, thank you!!!!

I was recently saddled with almost $4000 in medical bills unexpectedly. What was incredibly frustrating is that I seemed unable to make any headway into solving the issue between the provider and my insurance company.

I decided there must be such a thing as a medical advocate and immediately started an internet search to see if I could locate such a service. I found a few sites, but it was only Adria Gross's that made me feel comfortable about making the call. After scrolling through pages of solid testimonials on her site, I felt confident that if anyone could help me, it would be Adria!

I was right! In less than 10 days, Adria had cut through all the levels of bureaucracy to find the exact right department to present the case. Not only did she present the case, but when the insurance company was unwilling to pay the claim Adria argued the case and requested to go up even higher. Soon after that the case was settled, with the insurance company paying 100% of my bill.

I should also mention that throughout the process, Adria stayed in constant contact with me via email and phone.

Adria gross is tops in my book, as well as in my pocket book! I have already referred her to a colleague and will continue to refer her, and her wonderful service, to everyone I know.