If I Change Health Insurance Plans Will I Get Credit For Time Spent On My Prior Health Plan Toward My New Plan's Pre-Existing Conditions?

If you have a pre­existing condition when you change jobs, then your new employer`s health insurance carrier must usually credit the time you were insured under your former employer`s plan toward the new plan`s pre­existing condition waiting period. However, if you had a lapse in coverage, usually of more than 90 days, the new plan may impose a preexisting waiting period without crediting prior coverage. Further, health insurance carriers may still apply benefit waiting periods for certain treatments (heart transplants, for example) for new enrollees as long as they apply to all new enrollees. These waiting periods are determined by your policy`s effective date, not the date you were diagnosed with a condition.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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