Health Insurance

Health Insurance in the United States

Introduction to Accident and Health Insurance

Cancer Insurance Denial

Many cancer patients have found themselves without medical insurance due to provisions in many policies restricting coverage for those with pre-existing conditions. As is probably self-evident, pre-existing conditions are those that arose in the policyholder prior to enrolling in the insurance plan. Insurance companies can deny coverage for any type of pre-existing condition ranging from old sports injuries to asthma to cancer.

Pre-existing condition laws vary state-by-state, but 45 states in the nation allow insurance companies to deny benefits based on pre-existing conditions; a law that many believe amounts to discrimination and should not be tolerated. In a recent survey, 10% of those polled have been denied coverage because they were suffering from cancer before attempting to enroll in a policy. Cancer patients who are denied coverage may be able to access insurance through high-risk policies but at a much higher rate and deductible than the average policyholder.

Materiality of Applicant’s Misrepresentation In Application for Life or Health Insurance

This section discusses generally the subject of Materiality of Applicant’s Misrepresentation In Application for Life or Health Insurance, how to determine the facts essential to Materiality of Applicant’s Misrepresentation In Application for Life or Health Insurance, and, to some extent, how to prove it in litigation and defense. Related topics are also addressed.

Finding the law: Health Insurance in the U.S. Code

A collection of general and permanent laws relating to health insurance, passed by the United States Congress, are organized by subject matter arrangements in the United States Code (U.S.C.; this label examines health insurance topics), to make them easy to use (usually, organized by legal areas into Titles, Chapters and Sections). The platform provides introductory material to the U.S. Code, and cross references to case law. View the U.S. Code’s table of contents here.

Health Insurance

In Legislation

Health Insurance in the U.S. Code: Title 5, Part III, Subpart G, Chapter 89

The current, permanent, in-force federal laws regulating health insurance are compiled in the United States Code under Title 5, Part III, Subpart G, Chapter 89. It constitutes “prima facie” evidence of statutes relating to Government Employees (including health insurance) of the United States. The reader can further narrow his/her legal research of the general topic (in this case, Government Employment Insurance and Annuities and Insurance of the US Code, including health insurance) by chapter and subchapter.

Resources

Further Reading

Health Insurance Exchange Marketplace and Tax Law

There are more details about Health Insurance Exchange Marketplace in thetax compilation of the legal Encyclopedia.

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