Guaranteed health-care coverage for children with pre-existing conditions was one of health-care reform’s provisions that was supposed to activate immediately; however, the insurance companies are saying it ain’t so. The insurance companies are arguing that the law requires them to cover pre-existing conditions only if they choose to cover a child; they say that they retain the right to not offer a child any insurance whatsoever, at least until 2014 when new legal requirements will kick in. “If you have a sick kid, the individual insurance market will continue to be a scary place,” says one health-care expert.
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