Background: I switched jobs at the beginning of this year, and just the way that my new employer sets up benefits, there’s about a 28 day gap between my last day of coverage with my former employer, and when coverage starts with my new employer. The policies are with different carriers.
Since COBRA for this period will be about $1,200, our plan was to just try to not seek healthcare for this short gap unless absolutely necessary. So far, so good. However, I thought I had read somewhere long ago that preexisting conditions were only covered between policies so long as you consistently kept insurance. Does this gap put me at risk of not having certain claims covered if they’re considered a preexisting condition?
Note, we don’t really have anything “big” that I’d consider a preexisting condition. At most, ongoing chiropractic visits and allergy shots. I just want to make sure I’m not setting myself up to get screwed by trying to save the $1,200.
submitted by /u/Matchboxx
[link] [comments]Background: I switched jobs at the beginning of this year, and just the way that my new employer sets up benefits, there’s about a 28 day gap between my last day of coverage with my former employer, and when coverage starts with my new employer. The policies are with different carriers. Since COBRA for this period will be about $1,200, our plan was to just try to not seek healthcare for this short gap unless absolutely necessary. So far, so good. However, I thought I had read somewhere long ago that preexisting conditions were only covered between policies so long as you consistently kept insurance. Does this gap put me at risk of not having certain claims covered if they’re considered a preexisting condition? Note, we don’t really have anything “big” that I’d consider a preexisting condition. At most, ongoing chiropractic visits and allergy shots. I just want to make sure I’m not setting myself up to get screwed by trying to save the $1,200. submitted by /u/Matchboxx [link] [comments]Read Morer/HealthInsurance