My daughter has to take shots for her arthritis. These shots are quite expensive and my medical insurance is currently covering the cost. If I switch jobs, will my daughter’s arthritis shots be covered by my new medical insurance or would they be considered as part of a pre-existing condition?
You might want to check the medical insurance coverage of the company you intend to work for. Try to inquire when you can use the benefits of the medical insurance, and if your daughter’s condition is covered by a pre-existing condition clause. This means that if your daughter’s arthritis is considered a pre-existing condition, then the medical insurance will not cover the shots for a certain period, usually a year. However, any length of time that she has been covered under the current medical insurance may apply to that waiting period. You can also sign up for medical insurance coverage of the company you intend to work for during open enrollments. This is the time when you can be added to the company’s medical insurance coverage as if you were a long-time employee. Open enrollments are implemented by the company and their medical insurance providers at particular times of the year. Signing up for COBRA insurance is another option. You have to get COBRA before you switch jobs. By getting COBRA, you can extend your current medical insurance, while you are still on probation or waiting for the company’s open enrollment to take place. Answer by admin — May 25, 2009 @ 11:24 am No CommentsNo comments yet. Leave a comment |
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The benefits and limitations of medical insurance plans are different for health insurance companies.
