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Re: Pre-existing condition and Health Insurance


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Posted by Sheldon on September 22, 1999 at 02:18:56:

In Reply to: Pre-existing condition and Health Insurance posted by Jack on September 19, 1999 at 21:31:09:

: My wife is disabled and her medical expenses are currently covered by my employer's health insurance plan. I may have to change jobs soon, but I am really concerned about my wife's coverage after that. I don't think I can afford to pay COBRA premiums.
: Could anyone please tell me what my options are?
: What is HIPAA?
: Desperately need some info.
: Thanks,
: Jack Kline

HIPAA is usually not an answer except in the case where an employee changes
jobs, and because of creditable service he (and his dependents) can
transfer to the new employer's coverage without the imposition of the
pre-existing clause. Other than for this, HIPlAA allows for even greater
costs than COBRA. If the new job does not provide or allow for dependent
coverage, HIPAA is a lot more expensive than COBRA.

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