A question about NJ health insurance coverage rules for pre-existing coverage:?

Question

NJ law states that a new health insurer has to cover pre-existing conditions if that individual had 18 months of continuous coverage prior to the new coverage. If someone had over 18 months in coverage, then one month of coverage with another insurer, then wants to switch to a different insurer, will the pre-existing coverage claus that requires an insurer to cover pre-existing conditions be in effect with the third insurer? Does the 18 month rule only apply to the health insurer that immediately precedes the current health insurer or does it simply apply to 18 month of continuous health insurance even if the individual had two different health insurers?

Answer 1

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Answer 2

It doesn't matter how many insurers you had, as long as the coverage was continueous.  You could have 18, and it would still apply.  It's the "continuous" that's the important part, not the number of carriers.

Answer 3

It doesn't matter how many insurers you had in the past 18 months, as long as your coverage was continuous.