Quote:
Originally posted by waitingonVandS
This is from "The Russian Adoption Handbook", which is a must read for us adopting from Russia. Author is John Maclean.
P. 350 "The Health Insurance Portability and Accountability Act of 1996 mandates that all employers who provide group health coverage for their employees must extend the same coverage to adopted children as they do other dependents. Coverage MAY NOT BE RESTRICTED because of pre-existing conditions and must take effect at the time of the childs placement".
Do some more research on that Act and let us know what you discover.
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My understanding is this act does not cover folks who are self-employed or otherwise puchased individual policies. That's why the original poster is having the issue they are...the insurance company's individual policies determine coverage.