My husband has a preexisting condition. Will a new insurance cover his expensis due to this condition or no?

Question

Husband was diagnosed with Hepatitis C and resulting stage 4 liver disease two years ago. He wants to leave current job(insurance is currently Harvard Pilgrim)We are concerned that due to his serious preexisting condition a new employers insurance will not cover med care associated with preexisting condition and he could actually die if that is the case! We need to know the law before he moves from one job to another.

Answer 1

If you and your husband reside in the U.S., this matter is governed by federal laws collectively known as the Health Insurance Portability and Accountability Act (HIPAA). There may also be laws in your state affecting his eligibility, but they will not restrict HIPAA, they can only give more rights.

As you can see from the variance of answers given here, whether or not your husband should do this depends upon the details of his new policy AND how long he's been covered under his current one. I recommend you go here and read the information posted about HIPAA:

http://www.dol.gov/dol/topic/health-plans/portability.htm

Then, call your state insurance commissioner's office to ask if there are other laws giving him more rights. If he plans to work in another state, call that state's insurance commissioner, instead.

I hope this helps.

Answer 2

If he has no lapse in coverage between the old insurer and the new one, most likely the new insurer will cover any pre-existing conditions.

He'll have to make that a condition of the new employment - that "preexisting conditions" are covered.

Answer 3

It depends on the type of insurance you get, and the company holding the policy. If you find one that does cover a pre-existing condition, it will be much more expensive. Learn about the coverage that you can get with the new potential insurer. It varies so much from company to company, and even then, the policies they offer will all vary.

Answer 4

Health insurance will usually cover medical expenses from pre-existing conditions. Otherwise, nobody could ever change jobs, because everyone has some sort of pre-existing condition.

Life insurance, on the other hand, will usually place an exclusion for a medically related pre-existing condition for a certain period of time.

Answer 5

Pre-exisitng conditions usually become an exclusion if he applies for another insurance policy, however, companies have different rules/conditions on that matter, some would take the risk and apply additional premium but then some really exclude it. I suggest you scout for all insurance companies in your area so u can make comparisons. Good luck!

Answer 6

Most of them will cover pre-existing conditions, some have a "waiting period" - meaning if a patient seeks treatment for this conditon during the predetermined time frame, they don't have to pay for it. It's anywhere from 30 days to a year. One plan here in NY has a pre-existing rider for asthma - if the patient seeks treatment for asthma for 90 days after joining the plan, the patient has to pay for it.

Answer 7

In Massachusetts, it is required that the new insurer provide for pre-existing conditions.

Answer 8

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