Which health insurance law governs the exclusion of pre-existing conditions in Indiana?

The exclusion of pre-existing conditions in Indiana is governed by the Indiana Insurance Code, which outlines the regulations and requirements for health insurance policies in the state. This code ensures that health insurance providers adhere to specific rules regarding coverage, including how pre-existing conditions are treated.

Under the Indiana Insurance Code, there are provisions that prohibit insurers from denying coverage or charging higher premiums based solely on pre-existing health conditions, especially in individual and group health insurance plans. This establishes a framework aimed at protecting consumers and ensuring fair access to health care regardless of prior health issues.

In contrast, Medicare and Medicaid are federal and state programs, respectively, that serve specific populations, such as the elderly, disabled, and low-income individuals, but they do not directly govern private insurance policies in Indiana. COBRA, on the other hand, is a federal law that allows individuals to continue their employer-sponsored health insurance after leaving a job but does not specifically address pre-existing condition exclusions within general health insurance policies.

Therefore, the Indiana Insurance Code is the pertinent law that directly addresses the issue of pre-existing conditions in the context of health insurance in Indiana.