Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Short-term, Preexisting Condition, Children

By on | No Comments

Question: We purchased a short term policy for our family when I was between jobs. One of my daughters has pre-existing health conditions (one being asthma). The plan did cover her - but then did not pay for a hospitalzation which they say resulted from her asthma. These type of plans do state that they only pay for emergency care and not routine care and pre-existing conditions - but for children - aren’t they now required by law to cover emergency care related to a pre-existing conditions? Or, are they just required to cover them only for accidents etc… and not for hospital stays related to their pre-existing conditions?

Answer: The main caveat that goes with short-term health insurance is that all medical conditions that existed at or before the date of the application are considered pre-existing condition and thus not covered. So the insurance company was “right” in this case. The ACA rule regarding exclusions in childrens’ health insurance does not apply to short-term health insurance.

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164


© 2019 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.