Does a pre-existing condition limitation apply to COBRA coverage?
For plan years beginning after June 30, 1997, employers must limit their pre-existing exclusion period to no more than 12 months (18 months for a late entrant). A plan’s pre-existing condition exclusion period will be reduced by each month that you and your family had continuous health coverage (including COBRA continuation coverage) with no break in coverage greater than 63 days. If your COBRA coverage ended after June 1, 1997, you will receive certification of the duration of your COBRA coverage. This certification, along with your certification of coverage while an active employee, can be used by your new plan to determine how much time, if any, is left for you to satisfy the pre-existing condition limitation.
Related Questions
- If I discontinue my insurance coverage during my mission, can I re-enroll when I return without any penalties, delays in coverage, pre-existing condition limitations, or underwriting restrictions?
- Why isn’t Pre-existing Medical Condition Coverage Included in the Travel Protector Lite Plan?
- Does a pre-existing condition limitation apply to COBRA coverage?
