May 16, 2011
I have been living out of the country (Japan) for 10 years. I became HIV+ while living there and was covered by the national health insurance for 5 years before coming back to America. I have recently started a new job and have enrolled in the full coverage health plan. They did not ask any health questions or require a physical. Can the insurance company (Cigna) deny coverage once I begin to seek treatment using this insurance? Do I have to wait the 12 months for the pre-existing condition clause to time out? American health insurance is VERY confusing to me right now! Can you shed some light on the situation? Thanks as always for your help!
| Response from Ms. Franzoi
First, does the plan have a pre-existing condition clause as many plans do not? If it does, it probably won't recognize your coverage under the Japanese National Plan so you could have a 12 month exclusion period with respect to any pre-existing condition.
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