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SOrt of TTC Related---Pre-existing medical conditions- Insurance question
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Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
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SOrt of TTC Related---Pre-existing medical conditions- Insurance question
Does anyone know what exactly is mean by "pre-existing medical conditions" not being covered when you switch insurances? I am starting a new job soon and we wanted to switch to my insurance once I start the job b/c the coverage is AWESOME, but I always remember hearing something with other companies about things not being covered if it is pre-exisiting......what does this mean?
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Posted 4/25/08 10:23 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: SOrt of TTC Related---Pre-existing medical conditions- Insurance question
as long as you have never had a lapse of more then 90 days
you should be fine
I just went thru this when my DH needed neck sugrey after me being at a new job for a month- everything was fine
you just need to get a certificate of prior coverage
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| Posted 4/25/08 10:48 PM |
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Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
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Re: SOrt of TTC Related---Pre-existing medical conditions- Insurance question
Posted by Beth1210
as long as you have never had a lapse of more then 90 days
you should be fine
I just went thru this when my DH needed neck sugrey after me being at a new job for a month- everything was fine
you just need to get a certificate of prior coverage
Oh Ok. I have coverage now under my husbands plan and I am being treated for a few things (wont get into it) but when I get my new job, I would much rather go on my plan. There will not be any lapse at all b/c we had coverage with my husband's company. Will the conditions I was being treated for under my husband's plan, be covered when we switch to my plan?
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| Posted 4/25/08 11:00 PM |
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waterspout4
My loves
Member since 5/06 19150 total posts
Name:
Kelly
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Re: SOrt of TTC Related---Pre-existing medical conditions- Insurance question
It depends on the plan. Some plans don't cover you for any condition that you've seen a doctor for within 6-12 months on other insurance. This is the problem I am having now wanting to switch to DH's plan.
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| Posted 4/26/08 3:05 AM |
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MrsS2005
Mom of 3
Member since 11/05 13118 total posts
Name:
B
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Re: SOrt of TTC Related---Pre-existing medical conditions- Insurance question
In general, as long as your coverage does not lapse for more than 63 days, the insurance company cannot deny coverage for a pre-existing condition. You can always check with the insurance company or look into the specifics of HIPAA.
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| Posted 4/26/08 9:02 AM |
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