What is the pre-existing condition exclusion rule for pregnancy?
Under group plans, pregnancy is NOT subject to a pre-existing condition exclusion. This is federal law. The rule applies equally to new and current employees. Can a group health insurance application be rejected? a group cannot be denied group coverage for medical reasons. However, a group application can be rejected if the applying organization does not meet the insurer’s participation and employer contribution requirements. When does COBRA continuation apply? COBRA applies to employer groups that averaged 20 or more full-time employees during the previous calendar year, though the wording of this rule can change from year to year. COBRA compliance regulations apply to the employer — not to the insurance company. Potential civil and regulatory penalties for COBRA noncompliance can be considerable. We suggest employers should not rely too heavily on insurance agents for COBRA advice. This area of expertise is better suited to attorneys and professional COBRA administrators. COBRA comp
