Will my future husband's medical insurance (through work) turn me down for pre-existing medical problems?

Question

: I'm just wondering if by law they can turn me down, because i have pre-existing medical problems. I know that his new job that he is excepting soon offers good medical coverage and his boss told him i'd receive it as well (once married) but he doesn't know of my medical conditions now. So i'm just wondering if anyone could help me out with this concern of mine. I'm pretty young and have never had medical coverage since i was younger, in the past 3 years i sustained a really bad work related injury and am being covered by work comp, but may settle out soon. Of course i don't want to make any rash decisions on a settlement if i may not have any medical coverage. If he has guaranteed coverage for himself and family then would my pre-existing medical problems be an issue and a reason to not cover me? thank you in advance for answering this question, i couldn't find much information on it on the internet. Unfortunately i may just have to wait til he starts the job to find out the answer.

Answer 1

I sell group insurance I have never heard of any company declining anyone coverage. I have had groups get issued even with employees that have aids. Did the insurance company send you a letter or did the employer tell you this?

If the insurance company sent you the letter it is possible that this is not a group policy but individual coverage. If the employer told you that you could not have coverage they may be discriminating against you to protect the group premiums from rising. I would call the insurance company and ask for an explanation.

In REAL group health insurance they only underwrite the applicants when the group is originally formed. After that as new employees come on board and are not medically underwritten. At the end of each plan year the insurance company looks at all the claims filed and adjusts the rates accordingly. This is one reason why group health premiums can go up so much each year. If someone in the group has aids, a heart transplant or some other condition the insurance company will raise the rates for the group spreading out the cost of covering the medical condition among all employees.

Answer 2

As long as you have current credible coverage, they can't turn you down, and must cover the preexisting conditions.  

If you do NOT have current credible coverage, they can exclude preexisting conditions for 18 months before they will then be covered.

Answer 3

any one can be entitle for any claim after marriage only after marriage only he will be your husband

source:http://www.insuranceplan4u.com

Answer 4

proceed as if you can not get coverage with your settlement! my opinion...