|Changing Cos. w/ pre-existing condition, will new ins cover me?
Jul 17, 2001
I hope to be getting a new job, and have been treated for HIV for many years with my current cos. insurance, and once again ask if, with a pre-existing condition, can the new cos. insurance deny me access to their group policy knowing my condition after I meet the waiting period time frame? I think this has been answered in your forum, but as it is a sensitive and worrisome area for many, especially me, I wantedto double check. Thank-you for all your valuable information!
Response from Mr. Berg
Mark, to put your mind at ease, please check out the information on the Health Insurance Portability & Accountability Act (HIPAA) at www.hcfa.gov and www.dol.gov/dol/pwba. Basically, this federal law limits exclusions for pre-exisiting conditions and prohibits discrimination against employees and dependents based on their health status. So, your new employer cannot keep you off the group plan due to a pre-exisiting condition,but can impose up to a 12 month waiting period which can be shortened or eliminated by the corresponding number of months of prior continuous coverage ( continuous = no gap in coverage greater than 63 days). Good luck.
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