Sep 24, 2002
I am HIV+ and currently covered by my work insurance. My company was recently bought out and most likely be changing coverages.Having a pre-existing condition such as mine, will I be or can I get covered under the new insurance. Also, If I were to changes jobs completely, is it possible to get coverage with a new company with my pre-existing condition, or could I still get coverage excluding my pre-existing conditon? Thank you
Response from Ms. Franzoi
Typically, with an acquisition, everyone who was covered prior to the acquisition date under the seller's plan will continue coverage under the buyer's plan without a pre-existing condition exclusion. However, even if there is one or if you were to change jobs, as long as you don't have a lapse in coverage of greater than 63 days, the new plan would have to recognize your period of coverage under the prior plan towards its pre-existing condition exclusion period and this period cannot be greater than 12 months. This means if you had at least 12 months of coverage under your prior plan, there would be no pre-existing condition exclusion applied to you.
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