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Re: [IP] Lapse in Insurance

>  The Fed Laws and the HIPAA discuss preexisting conditions and being
> covered for 63 days qualifies you, etc.  But a little Trick BCBS
> uses is this,  if there is a LAPSE in your coverage, such as my
> changing from one job to another, both with BCBS, and first job ends
> Friday at 5:00 pm and official coverage by company a ends, then new
> job starts 8:00 AM Monday with BCBS coverage, you have a lapse in
> coverage and will have to meet the deductible all over again.  

HIPPA says nothing about that, and it is not a 'trick'. You have a 
new policy and the requirement to meet the dedectable is ligitimate.

It wouldn't matter if you had no lapse or a long lapse. The 
deductible issue has to do with a voluntary policy change on the part 
of the employee -- voluntary in the sense that you change jobs, 
whether by choice or not.

If you want to avoid the deductible problem, you can opt for COBRA 
coverage, which may help, otherwise you're stuck.
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