Typically, there are standard 12 month waiting periods for most pre-existing conditions. This means that you may be able to get coverage, but the insurance company may not provide benefits for a specific ailment or condition during the waiting period. This exclusionary period can be for 12 months or in some cases the entire length of the policy for medically underwritten plans. One of the most critical things to do is to maintain credible coverage: do not have more than a 63 day break in coverage if you change jobs and lose your employer health insurance. HIPAA portability laws may allow you to avoid some of the standard waiting periods. In case you are denied coverage due to a pre-existing condition, there are additional options available to you.
Authored by Ben Leyhew firstname.lastname@example.org