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What are preexisting conditions in your insurance, and how can they affect you when you're out work?

ANSWER

If you lose your job and then get new insurance, you won't have to worry about being denied coverage because of preexisting conditions. A preexisting condition is a medical problem you or your child had before you tried to enroll in a new insurance plan.

Insurance companies can no longer deny you coverage or require you to pay more for your health plan because you have a preexisting condition.

From: Health Insurance When You're Out of Work WebMD Medical Reference

SOURCES:

HealthCare.gov: "Young Adult Coverage;" "Young Adults and the Affordable Care Ac;," "Pre-existing Condition Insurance Plan (PCIP);" and "What's Changing and When."

U.S. Department of Labor: "Frequently Asked Questions: COBRA Continuation Health Coverage;" "FAQ About Portability of Health Coverage and HIPAA;" and "Fact Sheet: Job Loss -- Important Information Workers Need to Know to Protect Their Health Coverage and Retirement Benefits."

Whitehouse.gov: "A More Secure Future: Relief for You."

Reviewed by Sarah Goodell on February 14, 2018

SOURCES:

HealthCare.gov: "Young Adult Coverage;" "Young Adults and the Affordable Care Ac;," "Pre-existing Condition Insurance Plan (PCIP);" and "What's Changing and When."

U.S. Department of Labor: "Frequently Asked Questions: COBRA Continuation Health Coverage;" "FAQ About Portability of Health Coverage and HIPAA;" and "Fact Sheet: Job Loss -- Important Information Workers Need to Know to Protect Their Health Coverage and Retirement Benefits."

Whitehouse.gov: "A More Secure Future: Relief for You."

Reviewed by Sarah Goodell on February 14, 2018

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I’ve lost my job. Can I join my parents’ health plan?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

    This tool does not provide medical advice. See additional information.

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