Insurance - Pre-existing Conditions

[Guest guest]

At this time, by federal law (HIPAA), neither group insurance polices

nor self-insured plans can refuse coverage as a result of a pre-existing

condition, as long as the individual joining the plan has maintained

continuous creditable coverage prior to joining the plan. In essence,

it protects you when you move from one plan to another. If you have

been without coverage for 60 consecutive days, then pre-existing

condition clauses can be applied. If, however, you move from individual

health coverage, to coverage through an employer, to COBRA, to new

coverage, etc. without a lapse of 60 days of coverage, then you are

o.k. For more details, just go to a search engine and type in " HIPAA "

and " pre-existing condition " and you will find all you need to know on

this issue.

Kathleen B.