I recently changed insurance carriers because I got married. Will my heart defec!
Question:
I recently changed insurance carriers because I got married. Will my heart defect be considered pre-existing?
Answers:
My daughter has a heart defect so I have done some research on this. As long as there was no lapse in coverage, you should be covered. It's very, very important never to let coverage lapse - if you or your spouse (whoever carries the insurance) quits or is terminated, be sure to purchase COBRA or find some other kind of coverage.
It's my understanding that pre-existing condition clauses only apply when there is a lapse in coverage.