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Will your new insurance cover you if the initial appointment was with your old insurance?

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2006-09-10 16:18:24
2006-09-10 16:18:24

Why not? What is the Pre-x clause in your policy? In CA a insurance company has to credit the time on a prior plan to the pre-x. The old plan only covers if your disabled... The new insurance should cover the incident unless it can be excluded under a pre-existing conditions clause. Under HIPAA, if you left one employer plan (or a HIPAA compliant individual plan which most major medical plans are)and transitioned to another without a break exceeding 63 days then the new insurance can not impose pre-ex clauses. Your old insurance should have provided you what is called a Certificate of Credible Coverage which you can give to your new insurance company to waive the pre-ex provided you met the other rules.

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