December 19, 2013
If you have an illness or disability, you may have had trouble getting health coverage in the past due to your pre-existing conditions. But, under the Affordable Care Act, these pre-existing conditions are no longer a barrier to coverage. Starting in 2014, people with pre-existing conditions can't be denied health insurance coverage or be charged more, simply because they have a health problem.
What are pre-existing conditions? They're any diagnosed health condition (such as an illness or disability) that you had before applying for and enrolling in a health insurance plan. Beginning in 2014, being ill will not prevent you from getting health insurance, even if you have been denied coverage in the past.
Children under the age of 19 with pre-existing conditions are already eligible for health insurance coverage. It doesn't matter when your child's health problem was diagnosed or if a doctor has treated it before, health coverage is available now for all children.
However, this rule does not apply to grandfathered plans. If you have one of these plans, you can switch over to a new Blue Cross and Blue Shield of New Mexico (BCBSNM) plan in order to get coverage for any of your or your child's pre-existing conditions. If you are unsure if your health plan is grandfathered, please call the number on the back of your member ID card for more information.
Open enrollment for 2014 is already here and ends on March 31, 2014. Don't miss out: start shopping and enroll in a health insurance plan today.
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