YANMLFilter: You're not my lawyer, but I'm going to ask you for help deciphering part of the HIPAA anyway. Specifically, the bits regarding
I had (and was treated for) testicular cancer back in August. So, congratulations to me, I'm in danger of being denied coverage for a pre-existing condition if something wonky happens with my health insurance.
I should be pretty healthy according to the tests I've had since, but of course there's a few more follow-up CT scans and other tests to be done, just to be certain nothing has spread (and to kill it if it has). My employer, however, has closed it doors, and my health insurance ends on the 31st of this month.
I start my new job on the 28th. Assuming the common 90-day wait before I can get in on the new employer's group plan, that means I'll be without insurance for about 80 days. HIPAA says my new insurer can deny coverage for pre-existing conditions if there's a gap greater than 63 days.
But! According to USC 1181(c)(2)(b)
, that waiting period should not be considered to be a "break in coverage." If I'm right, this means I wouldn't have any
gap in coverage (since the waiting period would begin before my current insurance runs out), and thus I could not be denied coverage for pre-existing conditions.
Am I interpreting that correctly? Should I talk to a lawyer, and if so, what kind of lawyer? Any recommendations in the central NJ area?
Thanks in advance, everyone!