Regarding » Employment Law Medical Condition
Would my pre-existing condition prevent from getting health insurance at another job after a break?
I have health insurance with my employer right now. I also have a pre-existing condition (had a bypass surgery a while ago).
I was thinking of doing some freelancing for about a year, then going back to a full time job.
During this year I would use Cobra coverage.
After this year, when I decide to go back to full employment, would I be able to obtain medical insurance with the new company (assuming they provide health insurance to their employees)? Or would my pre-existing condition pretty much keep from ever going any freelancing?
I understand that there is some type of law that says that as long as you have a lapse in coverage no longer than 63 days, the new group policy cannot exclude coverage for preexisting conditions. But does this also apply to Cobra coverage?
Is what I want to do feasible?
Thanks.
As long as you do not have a lapse in creditable coverage of less than 63 days the new plan must accept you and cover your condition. If you have a lapse of greater than 63 days they still must accept you but there may be a pre-existing condition exclusion which can last up to 1 year depending on your state regulations. COBRA counts as creditable coverage. Here is the government website concerning HIPAA regulations for more information: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
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