Market well being plans cowl pre-existing circumstances

Protection for pre-existing circumstances

All Market plans should cowl therapy for pre-existing medical circumstances.

• No insurance coverage plan can reject you, cost you extra, or refuse to pay for important well being advantages for any situation you had earlier than your protection began.
• When you’re enrolled, the plan can’t deny you protection or increase your charges primarily based solely in your well being.
• Medicaid and the Youngsters’s Well being Insurance coverage Program (CHIP) can also’t refuse to cowl you or cost you extra due to your pre-existing situation.

Being pregnant is roofed from the day your plan begins

• When you’re pregnant while you apply, an insurance coverage plan can’t reject you or cost you extra due to your being pregnant.
• When you’re enrolled, your being pregnant and childbirth are coated from the day your plan begins.
  • When you give start or undertake after enrolling in your Market plan for the yr:
    • Your little one’s start or adoption qualifies you for a . This implies you possibly can enroll in or change plans exterior the annual Open Enrollment Interval.
    • Your protection can begin from the date of start or adoption, even in case you enroll as much as 60 days afterward.

Exception: grandfathered plans don’t should cowl pre-existing circumstances

• You may change to a Market plan that can cowl them throughout Open Enrollment.
• You should purchase a Market plan exterior Open Enrollment when your grandfathered plan yr ends, and also you’ll qualify for a Particular Enrollment Interval.