Comments on: What are the guidelines for pre-existing medical conditions and changing medical insurance? http://healthinsuranceblogtoday.org/law-ethics/what-are-the-guidelines-for-pre-existing-medical-conditions-and-changing-medical-insurance/ Health Insurance Answers Mon, 08 Dec 2008 22:06:32 +0000 hourly 1 By: scottclear http://healthinsuranceblogtoday.org/law-ethics/what-are-the-guidelines-for-pre-existing-medical-conditions-and-changing-medical-insurance//comment-page-1#comment-268 scottclear Wed, 12 Nov 2008 10:07:35 +0000 http://healthinsuranceblogtoday.org/ps/69#comment-268 This is a question for the HR department at the job he intends to go to. Normally, companies (and their insurance carriers) have "open enrollments" at set times during the year. This means that you will be added to insurance coverage as if you had it all along. However, a lot of companies have probation periods in which you are ineligible for full benefits pending the successful completion of you probation. Your friend needs to sit down with the HR/Health Insurance specialist to see when he will be eligible for benefits and whether or not his daughter will be subject to a pre-existing condition clause (normally exists for 1 year). He should also check into COBRA. It's expensive, but he may be able to extend his current insurance while serving his probationary period or while waiting for open enrollment. Best of luck. This is a question for the HR department at the job he intends to go to.

Normally, companies (and their insurance carriers) have “open enrollments” at set times during the year. This means that you will be added to insurance coverage as if you had it all along.

However, a lot of companies have probation periods in which you are ineligible for full benefits pending the successful completion of you probation.

Your friend needs to sit down with the HR/Health Insurance specialist to see when he will be eligible for benefits and whether or not his daughter will be subject to a pre-existing condition clause (normally exists for 1 year).

He should also check into COBRA. It’s expensive, but he may be able to extend his current insurance while serving his probationary period or while waiting for open enrollment.

Best of luck.

]]> By: Brad S http://healthinsuranceblogtoday.org/law-ethics/what-are-the-guidelines-for-pre-existing-medical-conditions-and-changing-medical-insurance//comment-page-1#comment-267 Brad S Sun, 09 Nov 2008 23:12:54 +0000 http://healthinsuranceblogtoday.org/ps/69#comment-267 He will have to check with the new company . Many co. have diffrent guidlines. Gov. has some regulations on letting you keep the insurance he has now for a period of time but ,I'm pretty sure it will depend on the co. He will have to check with the new company . Many co. have diffrent guidlines. Gov. has some regulations on letting you keep the insurance he has now for a period of time but ,I’m pretty sure it will depend on the co.

]]> By: Philip McCrevice http://healthinsuranceblogtoday.org/law-ethics/what-are-the-guidelines-for-pre-existing-medical-conditions-and-changing-medical-insurance//comment-page-1#comment-266 Philip McCrevice Sun, 09 Nov 2008 05:10:01 +0000 http://healthinsuranceblogtoday.org/ps/69#comment-266 All insurance companies are different. But I have yet to see one who would deny coverage if that person was previously covered by another policy. Now, if you have no insurance, then get cancer, should an insurance company be forced to insure you? All insurance companies are different. But I have yet to see one who would deny coverage if that person was previously covered by another policy.

Now, if you have no insurance, then get cancer, should an insurance company be forced to insure you?

]]> By: rabullione http://healthinsuranceblogtoday.org/law-ethics/what-are-the-guidelines-for-pre-existing-medical-conditions-and-changing-medical-insurance//comment-page-1#comment-265 rabullione Sat, 08 Nov 2008 10:28:54 +0000 http://healthinsuranceblogtoday.org/ps/69#comment-265 From my understanding it would be considered a pre ex condition . Too bad that the 16 is being used as a profit base for a hmo. We need universal healthcare. From my understanding it would be considered a pre ex condition . Too bad that the 16 is being used as a profit base for a hmo. We need universal healthcare.

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