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Old 07-02-2012, 08:03 AM
 
Location: home state of Myrtle Beach!
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They may apply depending on how the company's insurance plan is defined. You really need to get your hands on the literature the company should have available for employees. It should explain it in detail.
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Old 07-02-2012, 08:20 AM
 
3,646 posts, read 9,635,508 times
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If you have a concern about something specific, call the insurance company and ask.

For instance, my husband's work policy also has the "pre-existing conditions" clause. We were without health insurance for about 4 years, so I was worried - my ds and I have asthma, dh and I have hbp and there are a few other minor issues. I called the insurance company and was told that those were all covered and not to worry - it was all covered, and they are.

People are full of misinformation. It's best to go to the source and get the real story and not 'borrow trouble' so to speak.
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Old 07-02-2012, 08:36 AM
 
Location: NC
6,032 posts, read 7,571,433 times
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If you didn't have insurance for more than 63 days then yes, sometimes a pre-existing clause can apply. You would have a period of time when you would be on the plan when this would expire... sometimes 6 months.

This time period is called an exclusion period and varies by state. You won't be covered if you seek treatment for something pre-existing during the time period.

Maximum pre-existing condition exclusion period Small group (2 to 50 employees) health insurance plans[8]
Large group (self-insured) health insurance plans
  • Maximum pre-existing condition exclusion period
    • 12 months — 50 states + DC
  • Maximum look-back period for pre-existing conditions
    • 6 months — 50 states + DC
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Old 07-02-2012, 08:37 AM
 
Location: NC
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bilge...
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Old 07-02-2012, 06:48 PM
 
Location: Midwestern Dystopia
2,372 posts, read 3,061,076 times
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Many thanks to all who've replied.
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Old 07-03-2012, 02:12 PM
 
15,381 posts, read 17,640,829 times
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Jan 1 2014 this will be a moot point. Hopefully. That's when the Obamacare rule for preexisting conditions kicks in for adults. It's already a rule for children now, per Obamacare.
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