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Limitations On Pre-Existing Health Condition Exclusions/Waiting Periods

A Longer Waiting Period For Late Enrollees

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If you do not sign up for health coverage as soon as permitted, you are considered to be a "Late Enrollee." The waiting period for late enrollees may be as long as 18 months.

There is an exception. HMOs that do not use a pre-existing exclusion may impose an affiliation period of 60 days. This is a waiting period in addition to the employer's Probation Period, during which there is no coverage and no premiums can be charged.


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