Are pre-existing conditions covered on the new plan?
Pre-existing conditions are covered on any Small Group health plan falling under state regulation AB 1672, or in other words ‘yes’ provided the new employee maintained continuous coverage within two months of the enrollment eligibility date. Otherwise the new health carrier can effect a 6 month pre-existing condition waiting period. If an employee terminated a health insurance plan inside of the six months immediately prior to enrollment in the health plan, the employee is given credit against the maximum of 6 months waiting period for pre-existing conditions only. A pre-existing condition is typically a medical condition a member received consultation or treatment for in the last 6 months.
