Re: Adhesions and Insurance Coverage

From: Christine M. Smith (
Mon Jun 7 20:16:22 1999

At Mon, 7 Jun 1999, wrote: >
>Hello Everyone,
>I am thinking of changing jobs. I had an adhesion surgery last August
>1998. So does anyone know what the rules are for pre-existing
>conditions and changing jobs. I am currently under doctor's care for
>visits and pain meds.
>So if I switch jobs and see a doctor for meds. <I will not subject
>myself to surgery in the near future>.
>So if I wait until August of 1999. Am I in the clear as far as
>pre-existing conditions?
>Thank you.
>helen from Chicago

Hi Helen from Chicago: I think it depends on the group policy. I'm not sure how it is now with mine because I've been with the same group for over 20 years and it has changed many times. However, in the past the pre-existing condition clause covered a period of 3 months. (or possibly 6, I can't remember for sure) If you joined the group with a pre-existing condition it would not cover it for either 3 or 6 months. Once you reached a certain amount of out of pocket expenses (something like $3,000) it covered you regardless of the amount of time you were in the group. As I said it may not be the same now. I guess you really have to inquire.

CHris S.

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