- Jul 19, 2001
- 38,572
- 2
- 91
Quick Background Story:
My wife and I were on Aetna through my wife's employer. I've been seeing a othropaedic hand surgeon due to some ongoing wrist problems (ligament tear). My wife ended up finding a new job, gave her two weeks notice, and was subsequently given two weeks pay and the time off. Problem is, since this all happened with about a week left in July, our Medical Insurance lapsed on Aug 1st. Her new employers insurance doesn't start until the 1st of September, with Blue Cross Blue Shield PPO so we are without coverage for 30 days.
Primary Question:
Can an insurance company can deny a pre-existing condition if there was a lapse in coverage? any specifics?
From what I can find online, it seems that in Florida (where we reside) there is a 63 day lapse period (only a lapse of 63 days or more will permit a new insurance company from denying a pre-existing condition). Problem is, most everything i've found is kinda vague and not directly on point.
I plan to call the respective insurance companies first thing tomorrow to see what information they can provide, cause if there is a chance that a lapse would cause me to be denied as a pre-existing condition, I'll pay the $600 for cobra right now and be done with it.
Anyway, just thought i would ask here to see if anyone knows...
My wife and I were on Aetna through my wife's employer. I've been seeing a othropaedic hand surgeon due to some ongoing wrist problems (ligament tear). My wife ended up finding a new job, gave her two weeks notice, and was subsequently given two weeks pay and the time off. Problem is, since this all happened with about a week left in July, our Medical Insurance lapsed on Aug 1st. Her new employers insurance doesn't start until the 1st of September, with Blue Cross Blue Shield PPO so we are without coverage for 30 days.
Primary Question:
Can an insurance company can deny a pre-existing condition if there was a lapse in coverage? any specifics?
From what I can find online, it seems that in Florida (where we reside) there is a 63 day lapse period (only a lapse of 63 days or more will permit a new insurance company from denying a pre-existing condition). Problem is, most everything i've found is kinda vague and not directly on point.
I plan to call the respective insurance companies first thing tomorrow to see what information they can provide, cause if there is a chance that a lapse would cause me to be denied as a pre-existing condition, I'll pay the $600 for cobra right now and be done with it.
Anyway, just thought i would ask here to see if anyone knows...
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