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.
This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified health insurance lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local health insurance attorney to discuss your specific legal situation.