The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
  • Email Email
  • Glossary Glossary

health insurance
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.

New job: Does my private insurance count as creditable coverage?
Long-Term Disability & Group Health Care

  • Email Email
  • Glossary Glossary



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 nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint