Can my insurance carrier cancel or refuse to renew my insurance policy if I am diagnosed with COVID-19? Can they deny my claim for a pre-existing condition?
Health insurers may not cancel or refuse to renew your individual or group health insurance policy if you are diagnosed with COVID-19.
Federal and state regulations provide protections against pre-existing condition exclusions in individual and grouphealth insurance coverage.
Those pre-existing condition protections do not apply to short-term, limited-duration health insurance coverage or excepted benefit policies.
If you have questions or need assistance related to your health insurance, contact the Pennsylvania Insurance Department consumer services team at (877) 881-6388. The consumer services team is available to answer questions about insurance coverage and benefits. The Insurance Department may also help if you receive an unexpected bill related to COVID-19 or other health care services.