Definition: A medical condition developed prior to issuance of a health insurance policy that may result in the limitation in the contract on coverage or benefits.
Normally this is defined as a health problem for which the new enrollee received health care services before the date that the new health plan benefit begins.
Some policies exclude coverage of
such conditions and the exclusion may continue for a specific period of
time or indefinitely. Federally qualified HMOs cannot limit coverage
for pre-existing conditions.
New statutes in 1997 and 1998 altered the freedom other health plans have enjoyed in setting preexisting time limits.Certification of prior coverage may mean new insurers would need to waive preexisting clauses for some subscribers.
Are you old school? :-)
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12 Words You Can Never Say in the Office
Consolidated Omnibus Budget Reconciliation Act (COBRA)
Definition: Federal law that continues health care benefits for employees whose employment has been terminated.
Employers are required to notify employees of these benefit continuation options, and, failure to do so can result in penalties and fines for the employer.
An act that allows workers and their families to continue their employer-sponsored health insurance for a certain amount of time after terminating employment.
COBRA imposes different restrictions on individuals who leave their jobs voluntarily versus involuntarily.
Check out this interesting article on Electronic Health Records (EHR) . . .
Open source can save your life
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