 
Health Insurance California >> Health Insurance >> Health Insurance - Pre-existing Conditions Pre-existing Conditions Many people worry about health insurance coverage as it has preexisting conditions, especially when they change jobs. The Health Insurance Portability and Accountability Act (HIPAA) helps assured continued health insurance coverage for employees and their dependents as well. Starting July 1, 1997, insurers have rights to impose for about one to 12-month waiting period for any preexisting condition treated or analyzed in the previous six months. Your prior health insurance coverage would be credited toward the preexisting condition exclusion period providing you have maintained continuous health plan coverage without a break of more than 62 days. Pregnancy is not considered as preexisting condition, and the newborns and adopted children who are covered within 30 days will not be subjected to the 12-month waiting period. If you have had group health insurance coverage for two years, and you switch jobs and go to another health plan that new health plan can not impose another preexisting condition exclusion period. If, for example, you have had prior coverage of only eight months, you might be subjected to a four-month, preexisting condition exclusion period when you switch your jobs. If you've never been covered by an employer's group health plan, and you get a job that offers such health coverage, you might be subjected to a 12-month, preexisting condition waiting period. Federal law also makes it easier for you to obtain
individual health insurance under certain situations, as well as if
you have left a job where you had group health
insurance plan, or had another health plan for more than 18 months
without a break of more than 62 days.
For more informations on our services contact insurance brokers John Good| Kelly Good |
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