Losing current health insurance, pre-existing condition

Question

My husband and i are having our second child in november. My son, husband, and i all are covered under my insurance right now, and the plan is for me not to return to work afterwards to stay home with the children. However, my husband was just recently diagnosed with MS. how likely is it that he will be able to receive insurance offered through his employer despite his pre existing condition?

Answer 1

it depends on ta Insurance company that you have....and most or almost all of them will not cover you, some will but will charge you extra, try primerica see if it works out

Answer 2

%100 certain. Group insurance is guaranteed issue by federal law.  See link below.  Loosing coverage through his spouses employment is a "qualifying event" and he shouldn't  have to wait for open enrollment at his work. In any case don't let his coverage lapse more than 63 days so that there will be no preexisting condition exclusionary period.

Don

http://mtnhealthinsurance.com  

Answer 3

What Fred said.  Group insurance can't underwrite individually - they have to take all comers.  As long as any lapse in coverage between two plans is less than 63 days, they can't exclude any preexisting conditions.

Answer 4

As long as he is under a group health plan sponored by an employer, once he is elig he should get credible coverage credit for being under your plan.  Check the rules of Hippa, the insurance portability act.

Answer 5

it depend on policy term and conditions that explain in employer insurance policy

Answer 6

Generally as long as your husband has maintained continuous coverage for the 6-12 months prior to beginning coverage on the group plan then the employer cannot exclude coverage for pre-existing conditions.

If you think that the group plan may not work out then you will want to investigate and determine whether you are eligible for a HIPAA health insurance plan that is guaranteed issue and covers all pre-existing conditions.

Here is some more information with the 6 requirements for being eligible for HIPAA: