Preexisting condition?

vermontgirl
vermontgirl Member Posts: 66
in Head and Neck Cancer #1

Hi All,

 

My husband is contemplating a new job offer.  He is 7 months out of treatment and so far, cancer free.  He has really good life insurance that we got through his current employer before his tonsil cancer diagnosis. If we switch companies, he will have to get new life insurance I assume.  So...here's my question....does this cancer diagnosis count as preexisting condition and make it harder to get?  what about new health care coverage..preexisting there too?

Thanks,

Kirsten

Comments

  • jim and i
    jim and i Member Posts: 1,788 Member
    #2
    Through the employer the

    Through the employer the health insurance is automatic, no pre existing condition questions. As for life insurance I am not sure.

    Debbie

  • Laralyn
    Laralyn Member Posts: 532
    #3
    Continuous Coverage

    As long as you don't have a lapse longer than 63 days, I don't think you can be denied for a pre-existing condition. It's worth asking the new employer for details on the insurance, though. I was surprised to find out my new insurance changed my out of pocket cost on a PET scan from $300 (at my old company) to over $1500 (at the new company)!

  • ratface
    ratface Member Posts: 1,337 Member
    #4
    Laralyn said:

    Continuous Coverage

    As long as you don't have a lapse longer than 63 days, I don't think you can be denied for a pre-existing condition. It's worth asking the new employer for details on the insurance, though. I was surprised to find out my new insurance changed my out of pocket cost on a PET scan from $300 (at my old company) to over $1500 (at the new company)!

    With the new health care rules

    It isn't really an issue anymore. He will be fine under a new employer policy. At the end of this year private insurance will be fine also.  We will benefit from this provision.

  • ratface
    ratface Member Posts: 1,337 Member
    #5
    Laralyn said:

    Continuous Coverage

    As long as you don't have a lapse longer than 63 days, I don't think you can be denied for a pre-existing condition. It's worth asking the new employer for details on the insurance, though. I was surprised to find out my new insurance changed my out of pocket cost on a PET scan from $300 (at my old company) to over $1500 (at the new company)!

    With the new health care rules

    It isn't really an issue anymore. He will be fine under a new employer policy. At the end of this year private insurance will be fine also.  We will benefit from this provision.

  • phrannie51
    phrannie51 Member Posts: 4,716
    #6
    When I switched jobs many years ago

    the life insurance was simply ended at one place and the "going" life insurance with the new company just kicked in....there were no questions asked about my current or past health.  Medical insurance policies, as long as there is no or little break between, have no pre-existing clauses in them....that's been in effect for years.....and with some of the new stuff coming in with Obamacare, may not even count at all anymore.

     p 

  • vermontgirl
    vermontgirl Member Posts: 66
    #7
    Thanks guys

    You have answered my questions as usual.  Thanks

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