Aug 1, 2004
I currently work for a large Healthcare company. I have been employed here for 3 years and have been covered under the Group Medical Insurance plan since first hired. I found out I was HIV+ about a year after i started working here. I have been treated since then by my primary MD for my HIV. I am going to be relocating to Florida (currently in California) and will be working for another large Healthcare Company. My question is will I have a problem being covered through my new employer for Pre-existing condition. I will not have had a break in insurance coverage for over 3 years and was already covered BEFORE I found out my HIV status.
| Response from Ms. Franzoi
As long as you enroll in coverage under your new employer's plan within the initial enrollment period and you do not have a break in coverage of greater than 63 days (might necessitate COBRA for a few months if your new employer has a waiting period before coverage begins), you will not have any problems and no pre-existing condition exclusion would apply to you.
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