Be sure to disclose whatever is asked for in the application, so that there isn't a recession - cancellation later. Just because you paid cash or were treated by someone whose records are not available, doesn't mean that just because it's not on your "record" that it doesn't count. In some cases, the Insurance Company will have your doctor verify your conditions on your first visit with your new coverage.
In Individual plans Insurance Companies generally have the right to decide to give you a policy on not. This is called Underwriting. Under AB 356 §10113.95The CA Insurance Commissioner now posts a list of typical Pre-existing conditions - Underwriting Guidelines for Individual Plans.
Under AB 1672 Employer Group Health Insurance is Guaranteed Issue, regardless of the Health of the owner or employees, as long as certain requirements are met.
If there are any waiting periods in your new coverage, they are generally waived if 63 days of terminating your Insurance with another "creditable" health care plan.
If you are unable to get regular coverage - check the links below for alternatives.
Law Excerpts
CA Ins. Code §10700 (q) "Pre-existing condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. Appears to be exact same definition as in CA Ins. Code § 10198.6 c Federal Definition Title 42 300 gg a
Sample --- Waiting Periods... there is a specific six-month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.
AB 356 §10113.95. The CA Insurance Commissioner now posts Underwriting Guidelines
Pre-Clause Waived if you had Prior Coverage
If you apply for coverage within 63 days of terminating your membership with another "creditable" health care plan, then you can use your prior coverage for credit toward the six-month waiting period. PPO Share Brochure - Page 12 CA Insurance Code for Small Group Plans 10708 c
Pre X protections for transfer of coverage under HIPAA Health Insurance Portability and Accountability Act
Links to other Pages on this site, that deal with this issue or solving it
COBRA and when that expires in 18 months or 36 months in California, then you can get a "HIPAA" policy
Pre-Existing Condition Rights California Employer Groups under - AB 1672
Guaranteed Issue for Individuals - Mr. Mip
Guaranteed Issue Plans
Other Governmental Plans
Pregnancy & Maternity Page
Wrong or Misstated information on the application
Consumer Links
Web MD
Hints & Info. from National MS Site
