Human Resources

Q:

I received a notice that I have a pre-existing waiting period for my health insurance. What does this mean?



A:

For an employee or dependent who enrolls when he/she is first eligible, there is a 12-month waiting period before benefits will be paid for a pre-existing condition.  A pre-existing condition is any illness or injury for which medical advice, diagnosis, care or treatment was recommended or received within the six months before the date the coverage became effective.  Pregnancy is not considered a pre-existing condition.  This waiting period can be waived or reduced by giving the Benefits Office a creditable coverage letter or statement on letterhead from your former employer or insurance company that includes the date coverage began and ended, the names of those covered and the type of coverage.  If an employee or dependent is added during open enrollment, he is subject, as a late entrant, to an 18-month waiting period before benefits will be paid for a pre-existing condition.  Covered persons younger than 19 are not subject to any pre-existing condition exclusions.




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