NLIC.org

Arlene Said:

Is it true that if you have a pre-existing illness and you get a new insurance they will not cover?

We Answered:

Due to the HIPAA Act if you can prove prior insurance without a lapse in coverage then the preexisting conditions should be covered.

Go To: http://www.hhs.gov/ocr/hipaa/
to learn more.

Irene Said:

Isn't expecting an insurance company to cover your pre existing illness like trying to buy car insurance?

We Answered:

It is when your pre existing conditions are 100% caused by irresponsible choices like over eating, lack of exercise, poor diet, and reckless lifestyle.

However many pre existing conditions are genetic, or due to other situations you had no control over.

Darlene Said:

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We Answered:

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Terrance Said:

will my health insurance cover illness brought on by sin? ...and should i mention this on the paperwork?

We Answered:

Just remind them that this is a "Christian Nation"...how can they refuse such logic???

Ashley Said:

Do most American medical insurance plans not cover mental illness?

We Answered:

Most plans cover medication and office visits but usually have a cap on the number of doctor's visits. Most insurances also have a cap on the number of inpatient hospital stays in mental health units. You should check with your health care provider or read your insurance hand book for more clarification.

Richard Said:

Will an insurance cover your illness if it was diagnosed under student insurance coverage?

We Answered:

If you start a new group insurance plan (eg through your employer) the day you graduate, your illness will be covered.
If you start a new group insurance plan after some delay after you graduate, your illness will be covered after a waiting period equal to how long you were without insurance with a maximum of 18 months.
If you buy individual coverage, it depends on the plan, it will probably not be covered.