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Question about pre-existing exlusions on new

Posted By: insurance if you have COBRA. nm on 2007-07-22
In Reply to:

I'm leaving my long-time current MT job.  The insurance at the new job  won't be effective for over 90 days (I"m not sure if it's PPO, POS or HMO).  I will be paying COBRA to my old job in the meantime, though I sure am tempted to go a couple of months without it and hope for the best.


I'm hearing that many insurances are not covering pre-existing conditions.  Is this true even if I  have COBRA? Is there a federal regulation on this or will it vary from company to company? 




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If you currently have no pre-existing conditions and
are just worried about any problems that may occur between now and the 90 days get a temporary insurance.   Deductible is very high, but premium is very low.  You will have to pay out of pocket unless there is a catastrophic event.   You can't get this insurance though if there is a pre-existing condition and there can't have been a lap of insurance. 
If you have no pre-existing conditions look into
getting a private policy.  Should be able to get a good one for under $400 and maybe less depending on deductible. 
HIPAA laws require that all pre-existing..sm...
conditions be covered as long as there is NO break in coverage.
Another thought . . . get the pre-existing clause in writing from your employer --

Not from the insurance company itself, because the insurance company may tell you something different from what the agreed-to clause between them and your employer says.


Insurance company interprets pre-existing condition in a different way than your employed agreed to in their contract with the insurance company. 


Again, get it in writing from your new employer -- that is what counts -- not what the insurance may interpret as preexisting.  There is a contract between employer and insurance company, and that wording needs to be clarified by HR person handling the insurance benefits.


I think pre-existing stuff may kick in if you have have no certificate of previous coverage.
nm
Here's the deal. The only way to avoid the pre-existing waiting period (usually 12 months) is to
insurances..Even at that, say you have coverage until the end of July miss August and get new insurance September 1, your new insurance cant do a 12-month waiting on you for pre-existing but they can make you wait that 1 month that you didnt have insurance so...in effect, if you new insurance starts on Sept 1..it wouldnt have to cover a preexisting problem until October 1 cuz you missed a month. My advice.. keep the Cobra.. I know it's a fortunate but if you had any kind of complication or anything related to a preexisting and you have to miss a month of coverage..it could be really painful. Let me know if you have any more questions.
Assuming your existing documents are based on the Normal template...
You can open the Normal template, make the changes you mention, and then save it. When you open your existing documents, they will be corrected. Hope this is the info you're looking for.
Need bridge policy ASAP. Where can I get it? Have SEVERAL pre-existing conditions and meds
Just one medication at full cost is half of the COBRA payment plus I have steroid and Botox injections scheduled. Need insurance. Can anybody tell me where I can obtain "bridge insurance" without going broke?