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Blue Cross Class Action
 
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Blue Cross Class Action

BlueCrossClassAction.com
American Citizens for Health Insurance Rights

Mission Statement
To bring forth a nationwide class action lawsuit against Blue Cross Blue Shield in regard to their breaking U.S. Federal HIPAA laws by violating consumers health insurance rights by imposing a bogus and illegal pre-existing condition waiting period for new BCBS customers that have creditable coverage.

Background
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes limits on the extent to which some group health plans can exclude coverage for pre-existing conditions. For instance, if you've had "creditable" health insurance for 12 straight months, with no lapse in coverage of 63 days or more, a new group health plan cannot invoke the pre-existing condition exclusion. It must cover your medical problems as soon as you enroll in the plan.

What is creditable coverage?
Most health coverage is creditable coverage, such as coverage under a group health plan (including COBRA continuation coverage), HMO, individual health insurance policy, Medicaid or Medicare. Creditable coverage does not include coverage consisting solely of excepted benefits, such as coverage solely for limited-scope dental or vision benefits. Days in a waiting period during which you have no other coverage are not creditable coverage under the plan, nor are these days taken into account when determining a significant break in coverage (generally a break of 63 days or more). This 63-day break period may be extended under state law if your coverage is insured through an insurance company or offered through an HMO. Check with your State Insurance Commissioner's Office to see whether a longer break period applies to you.

What can I do?
If Blue Cross imposed a bogus pre-existing condition waiting period on your new account, please join us in our fight by filling out the form below. Provide as much information as you are comfortable with. Together, we can bring an end to this kind of illegal discrimination by enforcing existing laws.

Please join us by filling out the survey here:
http://www.bluecrossclassaction.com/



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