7/2/07 #2 - Health insurance and Migraine as a pre-existing condition?

Ask the Clinician Health Pro
  • Full Question:

    I have been diagnosed with chronic headaches and migraines and have been dealing with them for over 10 years. When I first got diagnosed I was a teenager and therefore still on my parents insurance. However, now I am no longer eligible for their insurance, and am no longer in school and don't qualify for student insurance. Due to this pre-existing condition, I am having a very difficult time finding any insurance that will ever cover me. I imagine that many other migraneurs must have this same problem, and I just wondered what advice you might have or any helpful resources. Anita.

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    Answer:

    Dear Anita;

    If you had joined a group insurance plan immediately, with no lapse between your parents’ insurance and the new group, pre-existing conditions would have been covered. HIPAA, the Health Insurance Portability and Accountability Act. HIPAA also states that, “If you have a pre-existing condition and have not been insured the previous 12 months before joining a new plan, the longest you will have to wait before you are covered for that condition is 12 months.” You can read more about choosing a health insurance plan on their site at http://www.ahrq.gov/consumer/hlthpln1.htm. The best advice we can offer is to get enrolled in an insurance plan as soon as possible to get through the waiting period.

     

    Good luck,
    John Claude Krusz and Teri Robert

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    About Ask the Clinician:

    Dr. Krusz is a recognized expert in the fields of headache and migraine treatment and pain treatment. Each week, he and Lead Expert Teri Robert, team up to answer your questions about headaches and Migraines. You can read more about Dr. Krusz or more about Teri Robert. If you have a question for this section of our site, please click HERE. Accepted questions will be answered by publishing the answers here. No questions will be answered privately.

     

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Published On: July 02, 2007