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.
Get Email Notifications When This Forum Updates or Subscribe With RSS
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.