Iowa Health Insurance
Consumer Rights under IA State Law
Iowa's insurance laws offer medium protection for its
consumers. Insurance companies have a significant amount
of freedom in developing their policies.
Newborn and Dependent Coverage
Newborns and adopted children of insured individuals with
dependants included on the plan are automatically for
a period of 31 days. The insured individual must contact
the insurance company within the 31 day period and adjust
their policy in order to guarantee coverage beyond 31
days.
Policy Cancellation
Iowa health insurance policies can not be cancelled by
an insurance company for any health conditions. An insurance
company must have some other valid reason to cancel a
policy.
Pre-existing Conditions
Pre-existing conditions do not have to be covered by a
Iowa insurance policy. A Iowa insurance company can set
provisions in their policy to dictate if they are going
to cover pre-existing conditions.
They can also implement a waiting period before coverage
of pre-existing conditions begins.
Non Guaranteed Coverage
Iowa, along with many other states that don’t have strong
regulations, allows insurance companies to deny coverage.
Coverage can be denied because of bad health or pre-existing
conditions.
Temporary Health Insurance
A temporary insurance policy can be taken out by qualifying
individuals. This coverage’s renewal can be denied at
an insurance company’s discretion.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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