All Pennie plans must cover treatment for pre-existing medical conditions.
No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.
Once you're enrolled, the plan can't deny you coverage or raise your rates based only on your health.
Medicaid and CHIP also can't refuse to cover you or charge you more because of your pre-existing condition
If you're pregnant when you apply, an insurance plan can't reject you or charge you more because of your pregnancy, and once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.
If you have a health plan & give birth or adopt after you enrolled:
- Your child's birth or adoption qualifies you for a Special Enrollment Period. This means you can enroll in or change plans outside the annual Open Enrollment Period.
- Your coverage can start from the date of birth or adoption, even if you enroll up to 60 days afterward.