Joker Posted December 15, 2012 Share Posted December 15, 2012 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! Quote Link to comment Share on other sites More sharing options...
Carrie12345 Posted December 15, 2012 Share Posted December 15, 2012 Make friends with the new human resources person. They've always handled any hassles for us, including when our baby was born at 12:07 am on the new insurance's start date, lol. Quote Link to comment Share on other sites More sharing options...
TechWife Posted December 15, 2012 Share Posted December 15, 2012 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. Quote Link to comment Share on other sites More sharing options...
Mommyof4ks Posted December 15, 2012 Share Posted December 15, 2012 I too would talk to HR, but under company policies pre-existing conditions are not supposed to matter. That is the beauty of corporate policies vs individual policies. That was true several years ago, but then again with the changes recently to insurance that might not be true anymore. Quote Link to comment Share on other sites More sharing options...
Joker Posted December 15, 2012 Author Share Posted December 15, 2012 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. Quote Link to comment Share on other sites More sharing options...
Susan C. Posted December 15, 2012 Share Posted December 15, 2012 When he gives notice, he should ask about getting Cobra until the new insurance is effective. Then you won't be without insurance. Quote Link to comment Share on other sites More sharing options...
tabrizia Posted December 15, 2012 Share Posted December 15, 2012 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. Quote Link to comment Share on other sites More sharing options...
plansrme Posted December 15, 2012 Share Posted December 15, 2012 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 Quote Link to comment Share on other sites More sharing options...
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