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A pre-existing condition is any illness that you had treatment for in the 6 months before you joined the plan. So, while you definitely have a pre-existing condition, you do not necessarily have to wait to get care.

True, your plan can refuse to cover treatment for the illness for up to 12 months. But they have to subtract one month for every month that you had uninterrupted health insurance coverage. So, if you were on your previous group plan for at least months, the new group plan covers everything - including your pre-existing condition. If you had a 63-day gap in your health insurance in the 12 months before you join a group health insurance plan, then the plan starts counting from the end of your gap to your enrollment date. (Note: rules are different for individual health plans.)

Under health reform ("Obamacare"), insurers have to cover pre-existing conditions and cannot refuse to sell you a plan based upon your having a pre-existing condition. This begins on January 1, 2014.

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12y ago

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