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Pre-Existing Conditions and Workplace Insurance Later
Dec 21, 2012

I am currently on Reserve Tricare Select, but will be starting a new civilian job soon and may have access to secondary health insurance. I will likely lose my tricare in about 3 years, and am curious if the PPO/HMO can deny me later with the hiv pre-existing condition after the passing of the Affordable Care Act? Is there a waiting period? I know every insurance is different so the question is just "generally speaking". Thanks!

Response from Mr. Chambers

You are correct in that they cannot deny you coverage at your employer when your Tricare ends. You may have to show proof that the coverage ended. Also, as long as there is no gap longer than 63 days between losing Tricare and starting the group coverage, they cannot impose a waiting period on any pre-existing conditions. These are from existing laws and I do not think ACA will affect them.


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