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HIPAA-Health Insurance Portability When You Change Jobs--There Doesn't Have to Be a Gap in Your Health Insurance

Coverage During The Pre-Existing Conditions Waiting Period

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Most health insurance policies include a provision known as a Pre-Existing Conditions Waiting Period that postpones coverage for health conditions which started before the effective date of the new coverage. Pre-existing condition exclusions extend for up to 12 months and, in some cases, longer.

While a pre-existing condition exclusion is in effect, any new health conditions are covered, but not expenses relating to pre-existing health conditions.

There are three different ways that you may be covered for your pre-existing health condition during a Pre-Existing Conditions Waiting Period: HIPAA, COBRA and through extensions.


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