Need Suggestion Regarding Questionaire From Insurance

[Guest docbon]

Hi all,

I need some experts advice regarding a questionaire I received from insurance company.Insurance company asking for previous coverage information.But, My old insurance was cancelled by Old insurance company due to preexisting condition.Now, I am on prenatal care, which is not preexisting condition under present group insurance.

1.Does previous insurance should give HIPPA letter as I was under their coverage?

2.How should I respond to this questionaire from the Present insurance company?

Thanks

[mroberts]

Certificates of Credible Coverage get generated once you are terminated off a medical plan. If you get coverage within 63 days, you should be fine and not subject to pre-existing conditions.

As far as how to answer a questionnaire, truthfully of course. It's not like the insurance company isn't going to figure out you were pregnant before filling out the questionnaire when you have the baby less than 9 months later.

[Jbentz]

Yes, answer the questionaire truthfully and any insurance coverage that you have had in the past 12 months needs to be asked to send you a copy of your Certificate of Coverage. Do not worry about the pregnancy pre-ex, under the HIPAA portability laws they cannot inpose a pre-ex on pregnancy.