Legal Question in Insurance Law in New York

Re: Pre-existing condition

health care. Should you require a referral to one of my NY associates please let me know.

Re: Pre-existing condition

Actually, if an individual has been continuously insured for an existing health condition and gets a new policy of insurnce he should still be entitled to coverage.

That said, mental health is a different situation and it depends on the type of condition, and the type of benefits that are provided under the policy in the first place, irrespective of whether its a pre-existing condition.

Since the episode hospitalized him it may fall under a different type of coverage then say for visits to psychiatrists on an out patient basis.

Before anything else I would sit down and review the policy provisions or booklet, and failing that, call a customer services representative at the company and ask if there is coverage for that

situation in general, without mentioning lack of prior coverage.

As to type of lawyer, a disability or insurance claims attorney if you can find one. While I do handle insurance matters I litigate them after the claims process has failed.

If this situation results in your family member being unable to care for himself there may be other, government benfits he should apply for.