4 Nisan 2012 Çarşamba

Money and Health:Health Insurance

So my chronic health condition will not be a problem if I have coverage through an employer?

Although the employer cannot discriminate against you, the health plan can still deny coverage of preexisting conditions for new employees for a period of 6 to 12 months. However, if you had any kind of prior health insurance—and no gap in coverage—the amount of time you had it can be credited against the exclusion period of your new plan.
Bottom line: Under HIPAA, a gap in coverage is defined as 63 days or more (although in some states it may be longer under state law). Once you hit 63 days without insurance, treatment for your condition can be denied for 12 months when you enroll in a new health plan. The maximum legal exclusion period for any group health plan is 12 months (or 18 months if you join the health plan late). However, if you have an individual health plan, the laws vary a lot by state, and you should contact your state insurance department for details.

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