Thank you for your response. Do you mean to say that once I go to the new job, I will be able to transition to the new insurance without having my seizure being reported as a pre-existing condition, or transfer the current plan that I have to the new employer?

I will check the site out on cobra that you listed.

If you are on constant medical insurance---they cannot call your condition--pre-existing--because you are being treated for it. You can only be out of insurance for 30 days before it falls in the "pre-existing condition," catagory, on the new plan. And will possibly cause you trouble in getting set up with new plan. Now if you had something 10 --5--15 years ago and they can prove you had it, when you go to dr for it, and you have not been receiving the proper treatment for this condtition or have not had constant insurance they can --exempt you from treatment for it.

Atleast that is what my insurance provider told me.

And that is why the cobra--to hold you thru-- until new plan starts is very important. Then you will not have to be without insurance for the 90 days that most company's usually make you wait to get on the new insurance.

Hope this helped

Thank you so much for your response. It was very clear. I did not know that there was a 30-day period of being uninsured for something to be called pre-existing. I thought it was immediate, i.E. When I get off one plan and try to setup another. Thank you for your response.

No, I was saying that if you are without insurance for 30 days, then it is like you have not been getting treatment for the condition, and now it is consider not managed. So pre-existing catagory comes up again for you, on that otherwise managed condition.


I dont know exactly how to explain it. But I had insurance man tell me if I was constantly insured then, I do not fall into the pre-existing catagory for my multiple conditions. (if my conditions are being taken care of and managed by a .Dr) and unless I was without insurance for more than 30 days I would be okay for the new insurance plan.

As far as I know, all insurance plans are the same way on this. But I dont know for a fact. My insurance provider said--no pre-existing conditions, and this is why we had this conversation. But I had been under constant insurance plans for years. I was never refused treatment for any of my existing conditions, or any new ones that came up.

Thank you for your response. I understood what you are trying to tell me. I also found a link where it is explained clearly. Here is the link for anyone who might have the same question as I did:

http://www.Dol.Gov/ebsa/faqs/faq_consumer_ hipaa.Html

i found this by exploring to find information on cobra. So, thank you for pointing me in the right direction. Hope this helps somebody else too.