Under the Affordable Care Act (ACA), insurers are prohibited from denying coverage due to pre-existing conditions. Despite this, there are certain plans that are not bound by the ACA’s consumer protections.
Lisa Brundridge experienced this firsthand when her health insurance denied her coverage, claiming she had a pre-existing condition. Lisa was recovering from spinal surgery when she received a notice from her insurance provider. The plan refused to cover nearly half a million dollars in medical costs for the surgery and tests leading up to it.
The ACA aims to ensure Americans have access to healthcare without discrimination. However, some plans still escape its consumer protective measures, impacting individuals like Lisa.
This story is part of NBC News’s “The Cost of Denial” series, which examines insurance practices in the United States. If facing denied coverage or inappropriate billing in health, home, or auto insurance, contact [email protected] for support.
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