Is Epilepsy Covered Under Health Insurance?

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   Marlin McKelvy

   President, Consumer Directed Benefit Solutions, Memphis, Tennessee

   Yes, and for any major medical policies issued on or after January 1, 2014 a person with Epilepsy would have their condition covered immediately with no pre-existing condition exclusions or waiting periods allowed.  It is possible that persons who still have older individual health insurance policies in effect could have been issued with a policy rider that excluded coverage for Epilepsy as a condition of issuing the policy.  Certainly any such person would have wanted to dump that old policy and enroll in a new one during the recently completed open enrollment period.  If you somehow missed that then you will almost certainly want to make the move during the open enrollment later this year for a January 1, 2015 effective date.

   Answered on April 25, 2014

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