ARE PRE-EXISTING CONDITIONS COVERED?
If you were enrolled in a plan through Freelancers Union in December 2008 and you begin your FIC coverage in January 2009, the pre-existing condition rule does not apply to you. For new enrollees, most pre-existing conditions aren’t covered until you’ve been on the plan for 12 months. However, any time you spent on a previous insurance plan without a gap in coverage of more than 63 days will be credited toward that 12-month waiting period. (This is known as “creditable coverage.”) Certain conditions, such as the following, are NOT subject to a pre-existing condition limitation: – Pregnancy – Any condition affecting a newborn who has had creditable coverage from within 30 days of birth, provided that there has not been a continuous lapse of more than 63 days between the end of the creditable coverage and the child’s enrollment date in an FIC plan. – Any condition afflicting an adopted child under age 18 who has had creditable coverage from within 30 days of adoption or placement for ado
There is no coverage for pre-existing conditions on any of the individual products. Because group plans are customizable, those plans may or may not cover pre-existing conditions. If you are unsure about your benefits, please contact a Benefit Analyst at (800) 303-8120, option # 1. Please have your policy number ready. In any case, pre-existing conditions are covered in the event of a medical evacuation.
