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Health Insurance - Pre Existing Conditions
A pre-existing condition is a medical condition diagnosed or treated
before joining a new plan. In the past, health care given for a
pre-existing condition often has not been covered for someone who
joins a new plan until after a waiting period. However, a new law—called
the Health Insurance Portability and Accountability Act—changes
the rules.
Under the law, most of which goes into effect on July 1, 1997,
a pre-existing condition will be covered without a waiting period
when you join a new group plan if you have been insured the previous
12 months. This means that if you remain insured for 12 months or
more, you will be able to go from one job to another, and your pre-existing
condition will be covered—without additional waiting periods—even
if you have a chronic illness.
If you have a pre-existing condition and have not been insured
the previous 12 months before joining a new plan, the longest you
will have to wait before you are covered for that condition is 12
months.
To find out how this new law affects you, check with either your
employer benefits office or your health plan.
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