Pre-existing with prior coverage

[binkswife69]

When my husband got out of Med school and started else were our insurance changed.  When we enrolled in the new insurance we were informed that any condition we had prior would not be covered for 280 days.  How is this possible.  We were actually double covered for 2 months until the old ins. exp.  I am sure there is some loop hole but I have been told I can fight this.  I have MS so this has been a big issue for us.  If anyone has any helpful info it would be greatly appreciated!

[Amir Mostafaie]

Dear binkswife69,

Your case depends on the following facts;

1- Before you switched to your current coverage, did you have at least 18 months of “continuous” & “creditable” coverage without any break?
2- If yes, have you provided proof (Certificate of creditable coverage), to your current Carrier?
3- You current State of residence(look back & pre-existing waiting periods may vary in different States)

In most cases if you have had 18 months of “continuous” & “creditable” coverage, employer sponsored group plans waive pre-existing waiting periods, but you need to provide proof, by sending in the “Certificate of creditable coverage”. You need to contact your current Carrier & find out if that is why they have imposed the 280 days waiting period.

Sincerely,

Amir Mostafaie

[binkswife69]

With past insurance company for 4 years.  No breaks in policy ever.  Insurance was provided through medical school. It was taken out of  the disbursement check once a year.  That coverage ended Aug 07.  New coverage began June 07.  Coverage is offered through a University Hospital in Alabama.  It is with a major insurance company.  

I will contact my insurance company.

Thank You.