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[IP] cobra question/pre-existing condition



Laura, about your COBRA, Lapse question.  I just went through this....
I had asked my new employer about coverage and any lapse, she assured me 
there wouldn't be as I was covered by BCBS with old company and would be 
covered by BCBS with new company.   End of problem.
Well, guess what, I had resigned from my old company with a resignation 
date of 8/14/99, a Friday.  My new company's hire date for me was Monday, 
8/16/99.

Blue Cross called this a lapse in coverage, technically it was, Friday from 
midnight until midnight Sunday, I had no insurance....  And would not pay 
claim.  My new company had to call and have my hire date changed to Friday, 
8/14/99 (I had signed employment letter well before my start date).

You are wise to check on EVERYTHING.   Remember, profit is the motive and 
if they can deny, they will deny.
 Bonnie

Date: Mon, 29 Nov 1999 23:02:11 -0600
From: Laura Arns <email @ redacted>
Subject: [IP   cobra question/pre-existing condition
Suppose you lose your job, and the insurance lasts until the end of Nov.
But you don't receive the cobra info until halfway through Dec because
it takes 4-6 weeks to get it sent to you. I know that when you get cobra
started, it will be retroactive to the beginning of Dec and cover any
charges incurred during those 2 weeks. HOWEVER, my question is: when you
get a new job, and thus new insurance, can the new insurance company
look at this and say that there has been a lapse in coverage during
those first 2 weeks of Dec, making you subject to the waiting period for
pre-existing condition?
Also, I believe people have stated that if you have been continuously
covered by insurance, that a new insurance company must apply that time
to any waiting period they have for pre-existing conditions. Is this a
national thing, or does it vary by state?
thanks,
Laura
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