Can Insurance Companies Refuse Coverage For Preexisting Conditions. However, if you did not have creditable coverage more than 63 days before getting a medicare supplement plan, then the medigap company can impose a waiting period. In 2014, though, guaranteed issue kicks in, so the insurance companies can’t outright deny anyone insurance.
As to children (less then 19 years of age), prohibition on denial of coverage based on preexisting medical conditions became effective in. Right now, the patient’s whole medical history is material. An insurance company (i) can refuse to provide you coverage;