[Anonymous]

#1149143

Wanda,

We just changed insurance companies in my job. The Benefits Manager explained how the pre-existing condition policy works with all the new laws that were enacted. He told us that if we’re in the same job for a period of time (60 or 90 days I believe) it’s not considered a pre-existing condition. If you happen to switch jobs you need to get a letter from your old employer stating that you have been insured all this time. Apparently that is how you get around the pre-existing clauses. If you go into a job and were previously unemployed and without insurance I believe the pre-existing clauses do get enforced.

If you’d like I can go back through the literature we got at the time and see what it says. I believe I can find it- I am so disorganized when it comes to paper and never have time to file anything!

Emily

[Anonymous]

#1149144

Each state has different laws, but if your present insurance has been paying and you don’t have longer than a 60 day break in service, my understanding is that they will pay. I know it is existing, but your other option is to COBRA your present insurance until you are covered.

Mitakuye Oyasin
Val

[Anonymous]

#1050386

HI
Has anyone tried to change insurance companies and was told this is a pre-existing condition? Or does anyone know if they give you alot of problems with it?
Wanda

[Anonymous]

#1149145

HI Emily
It looks like I dont have anything to worry about because I have been covered for three years. Thank you very much for the info and have a good one.
Wanda

[Anonymous]

#1149146

Hi
Thanks for clearing this up for me. It looks like I’ll be ok since I’ve been covered for three years. Suppose I have been covered by my husbands employer and I go out on my own? Same thing?
regards,
Wanda

[Anonymous]

#1149147

Hi Val
I wonder what happens when you move to another state?
Thanks,Wanda

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