Can insurance companies deny coverage for someone because they have a child with Autism?

Randy: Can insurance companies deny coverage for someone because they have a child with Autism?
My son has autism. I am currently employed and have insurance through my work. I am planning on moving and taking a new job but I am worried that I will not be able to get insurance for my son if I move. If anyone knows anything about this please help.

Thanks,

Randy S.

Answers and Views:

Answer by Aut-Echo
cant see where that woud come from as it shoudnt be an issue with car insurance,many drivers have autistic children or are appointees and car owners by proxy/drivers for autistic adults,am classed under severe autism and about to get a long awaited car [as a passenger] under the motability scheme which includes insurance-the only possible issue they coud have woud be with the driver/s as for own car they wanted the driving licence details of appointee.

now othr insurance such as for holidays is different matter from what have heard,but unless have got different car insurance rules to here,cannot see why they woud turn away a driver based on family given the car is registered to the named drivers/or open.

Answer by Judy & Charlie
Dear Randy,
Up until recently, health insurance companies have been pirates, denying coverage to anyone, anytime for any damn reason they please! Its the nature of their financial game to take your premiums and give you little or no coverage in return.
Now, thanks to President Obama and the Democrats, we have health care reform and ONE of the new laws going into effect is the “pre existing condition” clause. Insurance companies can no longer deny coverage based on a pre existing condition that someone has.
You have two options here to safeguard yourself and your family’s medical coverage:
1) When taking a new job, ask if their medical insurance has a preexisting illness clause in effect for the employers policy as it stands now. You may not be covered for the first 30 to 60 days of employment anyway so….
2) When you leave your current employer, be sure to ask about COBRA benefits. That is to say, you can EXTEND your current employers medical coverage for several months if you are willing to pay the premiums. You will be covered this way.
I wish you and your son all the best.

Answer by Marie T
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This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you’re no longer covered under your parents’ medical insurance plan. Or perhaps you’re employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you’ve found a new job, but your new employer’s group health insurance plan won’t kick in until you’ve been with months.

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ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services.

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Answer by Lisa
You have two options here to safeguard yourself and your family’s medical coverage:
1) When taking a new job, ask if their medical insurance has a preexisting illness clause in effect for the employers policy as it stands now. You may not be covered for the first 30 to 60 days of employment anyway so….
2) When you leave your current employer, be sure to ask about COBRA benefits. That is to say, you can EXTEND your current employers medical coverage for several months if you are willing to pay the premiums. You will be covered this way.
I wish you and your son all the best.

Answer by Sarah
You need to know that you can be denied for preexisting conditions, but if you maintain continuous coverage (no more than a 63 day laps in coverage from the time one policy stops until the other starts) then that won’t effect your child’s autism. You should maintain your coverage via COBRA and know when the coverage for the other insurance will start. Best of luck.