Grace Period for Pre-Existing Conditions After Being Uninsured?
October 20, 2005 1:31 PM Subscribe
In Illinois, or nationwide, is there a policy or law that says that if you become uninsured, but resume health coverage within X number of days, you do not need to worry about pre-existing conditions?
posted by WCityMike to health & fitness (8 answers total)
Right now, I know that if you go from one job to another continuously, you do not need to worry about pre-existing conditions with your new health insurance.
I remember someone -- I want to say it was someone involved in the healthcare industry, perhaps even an insurance company customer service rep -- telling me that there was a law (either statewide in Illinois, or federally) stating that if you resume coverage within a certain number of days, you don't need to worry about the new company denying coverage for pre-existing conditions.
I understand COBRA, but the premium in question is unfortunately too costly for me to take advantage of, given present financial circumstances, and I am similarly not in a situation where I can borrow the amount in question.
Although answers relating to obtaining temporary health coverage would not necessarily be unhelpful, my concern is more the original question. I have Googled for it, but must not be using the right combination of search terms, as I'm getting nothing.