ddrorangeman: What happens to your insurance if you have a lifelong disease, and you change insurance providers?
I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it’s hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.
Answers and Views:
Answer by ranjankar
It is always better to have an individual policy early in life , even if you are fully covered in office under group scheme. You do not know when your job will go. So take a policy early when you have no pre existing conditions like diabetes.
If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They’re “on the hook” for it, same as the old carrier was.
Even if you have aids or cancer or diabetes.
Answer by StephenWeinsteinIf you buy your insurance on your own, directly from an insurance company, without going through your employer, then it is not dropped when you leave a job.
If you get a job with an employer who provides insurance to the employees under a group plan, then you do not have to find another insurance provider; you simply get added to the group plan with the provider that the employer found before you were hired.
If you have no insurance for longer than 2 months and then you get insurance again, then the new insurance provider will not cover anything related to the preexisting condition for the first 6-18 months that you have the new insurance. If you change providers without a gap (being that you start having insurance from one provider as soon as you stop having insurance from the other provider), then this rule does not apply.
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