Re: Jodi Z.: Have experience switching insurance companies?

[Guest guest]

Jodi-

I have learned a lot about this in the past few days. If you are

going to a new Group Plan and have had no lapse in coverage, than

there is not a pre-exisitng condition. By law, they can't do that.

However, Individual Plans are a whole different animal and do not

include pre-existing conditions.

> Jodi,

>

> I saw your note addressing pre existing conditions. It is my

> understanding that as long as you have been covered under an

> insurance plan (no lapses), they can't deny you coverage due to a

> pre existing condition. This is a pretty new federal law that took

> effect in the last couple of years. I am not entirely certain I

> understand what your new insurance company is saying about an 18

> month waiting period. But, just wanted to pass this info. along.

>

> Alison

[Guest guest]

Alison,

We, too, are confused by the letter we received. My husband is

waiting for more details. There has been no lapse in coverage, so

that should not be a problem. I'll let you know if we have

difficulty. I know you are good with these things.

Jodi