Question about Health Insurance

[d4mo]

So I went to the Dr. a couple of years ago and they told me I had tendonitis. I had insurance then. I have since let it lapse. If I get health insurance again, are they no long going to cover tendonitis related things because it's a "pre-existing condition" How does that work?

 

[dmcowen674]

Originally posted by: d4mo
So I went to the Dr. a couple of years ago and they told me I had tendonitis. I had insurance then. I have since let it lapse. If I get health insurance again, are they no long going to cover tendonitis related things because it's a "pre-existing condition" How does that work?

You're fucked

 

[SandEagle]

don't even bring it up

 

[markgm]

Originally posted by: SandEagle
don't even bring it up

 

[spidey07]

After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

 

[d4mo]

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

 

[spidey07]

Originally posted by: d4mo

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

Yes. Read the fine print in the plan, should be explained there.

 

[d4mo]

Originally posted by: spidey07

Originally posted by: d4mo

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

Yes. Read the fine print in the plan, should be explained there.

I still don't have insurance yet, I'm just wondering how it will work when I do get it.

Does this apply to most/all companies? Or just some?

 

[Gooberlx2]

Originally posted by: d4mo

Originally posted by: spidey07

Originally posted by: d4mo

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

Yes. Read the fine print in the plan, should be explained there.

I still don't have insurance yet, I'm just wondering how it will work when I do get it.

Does this apply to most/all companies? Or just some?

Applies to most (if not all) individual plans, and varies greatly for group (i.e. employer) plans.

 

[d4mo]

Originally posted by: Gooberlx2

Originally posted by: d4mo

Originally posted by: spidey07

Originally posted by: d4mo

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

Yes. Read the fine print in the plan, should be explained there.

I still don't have insurance yet, I'm just wondering how it will work when I do get it.

Does this apply to most/all companies? Or just some?

Applies to most (if not all) individual plans, and varies greatly for group (i.e. employer) plans.

Well the reason I let it lapse is because I couldn't be on my parents plan anymore so I let it lapse until I got a job that offered insurnace benefits. So i could be screwed under a company plan?

 

[spidey07]

Originally posted by: d4mo


Well the reason I let it lapse is because I couldn't be on my parents plan anymore so I let it lapse until I got a job that offered insurnace benefits. So i could be screwed under a company plan?

Normally you're not screwed because it's a group plan, many times however there is still a small window for pre-existing if you haven't had insurance. It's to prevent people from just taking the job to get the benefits, have a big surgery and then bolt. Just make sure you read the plans before you select one.

 

[Gooberlx2]

Originally posted by: d4mo

Originally posted by: Gooberlx2

Originally posted by: d4mo

Originally posted by: spidey07

Originally posted by: d4mo

Originally posted by: spidey07
After about 6-12 months the pre-existing clause expires and they have to cover it. Don't ever let your insurance lapse, that's a no-no. If this is a group plan through your employer the time could be even shorter if it even exists at all.

6-12 Months after you get the new insurance?

Yes. Read the fine print in the plan, should be explained there.

I still don't have insurance yet, I'm just wondering how it will work when I do get it.

Does this apply to most/all companies? Or just some?

Applies to most (if not all) individual plans, and varies greatly for group (i.e. employer) plans.

Well the reason I let it lapse is because I couldn't be on my parents plan anymore so I let it lapse until I got a job that offered insurnace benefits. So i could be screwed under a company plan?

You could. However, all the companies I've worked with, that offered proper insurance plans, such a limitation did not apply for the primary insured (employee). It has applied for dependants though (thankfully, in my wife's case, we had all the certificates of coverage to show no lapse greater than a couple weeks).

I've seen a number of jobs with 30-90 days windows before benefits kick in though. Kinda like a probationary period.

 

[d4mo]

Alright, well by the sounds of it there is a pretty good chance I will be alright then?