What criteria do underwriters use to evaluate past medical history for pre-existing condition exclusions in current group plans?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What criteria do underwriters use to evaluate past medical history for pre-existing condition exclusions in current group plans?
3 real searches · 1 real-search pass
ACA group health plans preexisting condition exclusions prohibited CMS DOL HIPAA stop loss underwriting medical history employer group health planGoogle ↗
OBSERVED
Department of Labor HIPAA group health plan preexisting condition exclusions 12 months lookback 6 months prior condition current law ACAGoogle ↗
OBSERVED
HHS HIPAA privacy underwriting group health plan stop loss medical information employerGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
ACA group health plans preexisting condition exclusions prohibited CMS DOL HIPAA stop loss underwriting medical history employer group health plan Google ↗
Department of Labor HIPAA group health plan preexisting condition exclusions 12 months lookback 6 months prior condition current law ACA Google ↗
HHS HIPAA privacy underwriting group health plan stop loss medical information employer Google ↗
- Health Insurance Portability and Accountability Act (HIPAA) Portability Of Health Coverage And Nondiscrimination Requirements FAQs · dol.gov
- 42 U.S.C. § 300gg–3: Prohibition of preexisting condition exclusions or other discrimination based on health status · uscode.house.gov
- Technical Release No. 2014-01 · dol.gov
- Federal Requirements on Private Health Insurance Plans · everycrsreport.com
- 2026 Report to Congress: Annual Report on Self-Insured Group Health Plans · beta.dol.gov
- Stop Loss/Excess Loss Insurance · siefonline.org
- Health Coverage Portability (HIPAA) Compliance FAQs · dol.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
ACA group health plans preexisting condition exclusions prohibited CMS DOL HIPAA stop loss underwriting medical history employer group health plan OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Department of Labor HIPAA group health plan preexisting condition exclusions 12 months lookback 6 months prior condition current law ACA OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
HHS HIPAA privacy underwriting group health plan stop loss medical information employer OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |