[tp31170]

I have had insurance coverage without any lapses, or so I thought. My new insurance company is saying pre-existing condition. I started a new job and switched health insurance. My employer says that the effective date of my health insurance is the 1st of the month following 30 days of continuous service. I started December 17th, so that would be February 1st, right? My old insurance company says that they cancelled me as of January 1st. I thought that I had to have at least a 3 month lapse in coverage for a new insurance company to say 'pre-existing' on a claim. Does anyone know? Thank you very much!

[George_1950]

Don't know, but you could contact the insurance commissioner's office in your state for a quick review of your concerns. Don't believe this to be a federal question.

[jef1056]

It's 63 days without coverage that will allow the pre existing to kick in.
Your coverage is through your employer? Fully insured group insurance plans do not have pre ex clauses.