Question about pre-existing exlusions on new

I'm leaving my long-time current MT job.  The insurance at the new job  won't be effective for over 90 days (I"m not sure if it's PPO, POS or HMO).  I will be paying COBRA to my old job in the meantime, though I sure am tempted to go a couple of months without it and hope for the best.

I'm hearing that many insurances are not covering pre-existing conditions.  Is this true even if I  have COBRA? Is there a federal regulation on this or will it vary from company to company? 

• Question about pre-existing exlusions on new - insurance if you have COBRA. nm
  • HIPAA laws require that all pre-existing..sm... - nm
    • That's exactly right. TAKE THE COBRA, even though the $$ is high. - MTTT
      • This is what an insurance gal told me once.. - sm
        • Even if she doesn't need it during that 3 months, she needs it not to have a break in coverage if - nm
  • If you currently have no pre-existing conditions and - me
  • Here's the deal. The only way to avoid the pre-existing waiting period (usually 12 months) is to - MT/Insurance biller/jack of all trades LOL
    • This is good advice. I had the same question - sm - Flibertygibbit
    • I shopped around and found an insurance, although it is very - joan
      • There are some short-term insurance policies out there that cover you betweens job but do know that - WanderingMT
  • MT companies negotiate with the insurance companies until they get what they want - Company's discretion
    • Another thought . . . get the pre-existing clause in writing from your employer -- - Company's discretion

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Not from the insurance company itself, because the insurance company may tell you something different from what the agreed-to clause between them and your employer says.

Insurance company interprets pre-existing condition in a different way than your employed agreed to in their contract with the insurance company. 

Again, get it in writing from your new employer -- that is what counts -- not what the insurance may interpret as preexisting.  There is a contract between employer and insurance company, and that wording needs to be clarified by HR person handling the insurance benefits.