Is there a pre-existing condition clause on the health plans?
New employees and new dependents (excluding newborns and adopted children) are subject to possible health benefit limitations based on pre-existing conditions, in some of the health plans offered. During the fist six months of a new employee or new dependent’s coverage some health plans would provide no benefits or only limited benefit coverage on any pre-existing condition. The pre-existing condition time period may be reduced or completely eliminated by providing documentation, “Certificate of Creditable Coverage” from another insurance plan, provided there was not a break in coverage of mare than 63 days. Federal law (HIPAA) requires all health insurance plans to provide “Certificates of Creditable Coverage” upon termination from a plan. HIPAA Also provides that coverage for newborn children and adopted children is not subject to pre-existing condition limitations. Pregnancy is not subject to pre-existing condition exclusions.
