Question: We have a child-only policy for our daughter. We have had the plan for about 5 months now. I took her into a new patient well check appointment where the dr found something that he wants to refer her to a pediatric neurologist for. She has not been diagnosed with anything during or prior to this appointment. Will my insurance look at this as something pre existing and deny anything if the specialist finds something to diagnose?

Answer: One of the earliest implemented - September 23, 2010 - consumer benefits of Obamacare was the removal of preexisting condition exclusions from child-only policies. What that means to you is, you never have to worry about coverage for preexisting conditions on your daughter’s insurance. All consumers will have the same benefits starting Jan1, 2014.