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Switching jobs and health insurance question - please help


Joker
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Dh starts a new job on Jan. 7. :hurray: His current insurance will be good through January, and the new insurance kicks in Feb. 1.

 

I found out today after a mammogram and ultrasound that I will be having a biopsy on Monday. :unsure: I'm praying and hoping it turns out to be nothing, but wondering about the what ifs. If it turns out to be something, am I going to have trouble with the new insurance and a pre-existing condition? There will be no lapse, just changing due to jobs. We haven't had to worry about this as he's had the same job for almost 13 years. Anyone out there know how this stuff works? Thanks!

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You need to talk to someone in human resources at the new employer to find out if there is a pre-existing condition clause and how long it will be. You many need to purchase the gap insurance from the previous employer to get anything from this covered should you need it. I am very sorry that you will have to go through the insurance hassle.

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Thanks, everyone! We should know if it's anything serious before dh has to give notice, so I guess we can talk to new HR people first. Fortunately, he's waiting until the last minute (exactly two weeks notice) due to them letting people go immediately. This is no fun, but I'm hit with the fact today that some have it so much worse.

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In general in a corporate enviroment it should not matter. I believe that you have to be without insurance for more then 3 or 6 months for a pre-existing clause to come into play. This is only when transfering from one corporations insurance to another, not from personal to corporate or corporate to personal.

 

I would check and make sure, but in general it should be covered, may not be covered as well, or maybe covered better, but it should be covered at least.

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Under HIPAA, the new policy cannot impose a PEC if you have had a gap in coverage of less than 62 days. If you have no gap, obviously you are covered by this rule. This has been the rule for years. Just make sure there is no waiting period under the new policy and that coverage is truly effective immediately.

 

Terri

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