Saturday, May 12, 2012

will a new health insurance covers an existing medical condition

will a new health insurance covers an existing medical condition?
My uncle lost his job last year 'cause of cancer surgery and long months of chemo. He's better now, on remission and is looking for a new job. Is it considered pre existing condition to be covered by a new health insurance? He never lost his insurance, he's covered from his old employer but it will end soon. Will he look for another job or go back to his old employer and find an open position?
Insurance - 2 Answers
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1 :
Most group insurances cover pre-existing conditions, but it depends on the employer. This is something he needs to ask during the interview process.
2 :
They will cover it if he has had continuous coverage. He needs to start the new plan at the same time or before his old one expires. He will then need to request a certificate of credible coverage from the old plan and forward it to the new plan. To be on the safe side he should seek pre approval for anything related to his cancer for the first year on the new plan.

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