Jun 25, 2004
i have been working for this company for the last four years. just discovered a month ago that i am positive. i tried to get a second insurance through my husband and they say they have pre existing condition clause. will they be able to cover me if i leave the job that i have right now or how does this work. please help, i am thinking of getting another job maybe next year.
Response from Ms. Franzoi
During open enrollment for your husband's plan or if you have a special qualifying event such as loss of your current coverage due to a change in jobs, loss of job, etc., you would qualify for a special enrollment and should be able to enroll in your husband's plan at that time. Even if your husband's plan has a pre-existing condition clause, as long as you don't go more than 63 days without coverage, your prior coverage will have to be counted towards the pre-existing exclusion period and that period cannot be greater than 12 months.
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