Are there any situations in which exclusions are completely prohibited?
Under HIPAA’s group market rules, there can be no pre-existing condition exclusion for pregnancy, no matter when pregnancy began and whether medical advice, diagnosis, care, or treatment was recommended or received for the pregnancy. An exclusion cannot be applied to you even if your previous health plan did not cover pregnancy. An exclusion cannot be applied just because there is genetic information suggesting that you may have a particular condition. An exclusion cannot be applied at all to a child who was covered by creditable coverage no later than 30 days after birth or after being adopted or placed for adoption with you.
