Pre-existing condition clause...when the 12 months is up will they cover?
Answers: There are many differences between states and policies.... assuming you are discussion about group coverage through your employer.... in attendance is a federal law which states they cannot include pregnancy as a pre-existing condition. It define a pre-existing condition as something which was treated or diagnosed, or for which medical proposal was given during the 6 months prior to your coverage date or hire date, whichever is first. Most policies state a 12-month spell, which begins on the first date of your waiting time (hire date). So, if you were hired, for instance, on August 4th, and your insurance become effective the first of the month after 90 days full time employment-- December 1st-- consequently you would have a hinder on your benefits for any pre-existing condition until August 4th of the following year. Each condition has a separate dollar check. So if you had asthma and also high-ranking blood pressure, with a $1000.00 constraint, that would mean $1000.00 for respectively condition.
That's not too bad, really.... it allows for conservative treatment such as department visits and lab fees. Also... in that is a federal portability law which states that if you have prior creditable coverage under your former employer, and you did not walk more than 62 days without coverage (NOT counting the waiting period) next they have to provide you credit for the amount of time you were previously covered. For further information, ask your insurance company for a copy of the form you signed when you enrol. It has the information right here, and they are required to give it to you.
And... newly to follow up on your additional information, I am surrounded by Illinois, so I don't know any particular info roughly speaking PA. But the answer to your question, surrounded by fewer words is that they probably will cover your condition anyway, as long as it doesn't walk over their dollar limit for pre-existing conditions. And if you have prior coverage, it could be the federal law will prohibit them from limiting your conditions.
It depends on which state you reside within. In NY you cannot be denied insurance for pre-existing conditions except for pregnancy. Of course, once you have the policy they can start playing games and discard you certain treatments.
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