Dealing with the aftermath of a suicide
or attempted suicide is stressful enough. But some health plans make a harrowing experience worse by refusing to cover medical costs for injuries that are related to suicide, even though the federal health law doesn't allow such exclusions, legal and government analysts say.
Yet patients or their loved ones often don't realize that.
Under federal rules from the Health Insurance Portability and Accountability Act — HIPAA — employment-based health plans can't discriminate against a particular person by denying eligibility for benefits or charging more because he has a specific medical condition such as diabetes or depression.
http://www.npr.org/blogs/health/2014/02/18/279014945/despite-law-health-plans-refuse-medical-claims-related-to-suicide
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