|insurance when changing jobs
Jul 19, 2000
I am looking to change jobs and am currently on a group insurance plan. I know that the next job I go to has a group insurance plan. i know that there are issues facing pre-existing conditions, but COBRA and HIPPA are helpful. what should I be checking in the new policy to make sure that I stay covered for my pre-existing condition? if the policy says that I have to wait a year, is it best for me to continue with COBRA as well so that I am covered for that year?
Response from Ms. Franzoi
If the new plan has a preexisting condition clause (which cannot be greater than 12 months) and you do not have a break in coverage of greater than 63 days, the new plan must recognize your period of coverage under your prior plan towards any preexisting condition clause it has. Example: You have been covered under your current health plan for 2 years and you take a job with a new employer and his plan has a 3-month wait for eligibility and a 12-month preexisting condition clause. You could take COBRA for the 3 months until you quality for the new plan. Because you have more than 12 months of coverage under a prior plan without a break in coverage, the new plan would have to recognize that coverage towards its 12-month preexisting condition clause and you would have no preexisting condition period. You should obtain a Certificate of Creditable Coverage from your current employer to provide to your new employer in the event that the new employer's plan has a preexisting condition clause. You should review the new employer's plan to see if there are any exclusions or limits on HIV-related illnesses.
Spouse HIV+; I want to Change Jobs
Time and Laws re Short Term Disability
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.