The Truth About Denying Insurance Coverage

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Valuable information about your family health insurance

Our Healthcare Expert, Reagan Gray, answers your questions about the state of the healthcare industry today!

"My 13-year-old daughter has severe asthma. In the past, if we had to change insurance, we would be denied coverage for her asthma. They called it a pre-existing condition. Can you explain why this is the case and if the healthcare reform legislation will affect this?"

from viewer Elizabeth in Wilton, CT

Hi Elizabeth!

Thanks for your question. Actually there is good news for families. In the past, insurance companies have routinely denied or even dropped health insurance coverage, as you know, for people with pre-existing conditions (like asthma) or, if you got really sick, they could cancel your insurance all together.

Beginning September 23, 2010, health insurance companies will NOT be able to deny coverage to you or your children based on any pre-existing conditions. So, now you won't have to worry about losing your coverage if you decide to change jobs or move or whatever. You will have access to affordable, quality health insurance no matter what. If you're in the market for insurance now, many companies are already following the Health Reform Act and will provide coverage for you and your family. Now, we can all breathe a little easier!

Source: Dept of Health and Human Services, May 2010


Since 1980, Reagan Gray has been involved in the healthcare industry, working for hospital organizations, and a variety of managed care companies. She graduated with a Master’s Degree in Healthcare Administration from George Washington University, Washington, DC, where her experience in healthcare marketing began. She took advantage of what the nation’s capitol had to offer and followed legislation through the sub-committee on health, as well as completing an internship with the Department of Health and Human Services. For most of her career, however, Reagan has owned her own communications firm in southern California specializing in healthcare. She has worked for over 100 healthcare organizations where she developed and implemented several marketing, branding and advertising programs. She has seen the healthcare industry evolve and grow into the complex industry it is today.            

A native Californian, Reagan grew up in the suburbs of Los Angeles. A few years ago, Reagan decided to “change it all” and moved to Boston, one of the most innovative and progressive healthcare communities in the US. Her communications firm, Gray & Partners provides branding and social and new media consultation for the healthcare industry.

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