My husband may be seperating from the military next month (that means getting out if anyone doesn't know). We have been told by various people that if either of us have pre-existing medical conditions, a new insurance company will insure us but won't pay for those pre-existing conditions for medication and treatment. :confused: Is that true? I guess I don't understand why an insurance company would accept you for insurance but fail to pay for much needed treatment and medications. Any information and of y'all have would be greatly appriecated. Thanks!

My husband may be seperating from the military next month (that means getting out if anyone doesn't know). We have been told by various people that if either of us have pre-existing medical conditions, a new insurance company will insure us but won't pay for those pre-existing conditions for medication and treatment. :confused: Is that true? I guess I don't understand why an insurance company would accept you for insurance but fail to pay for much needed treatment and medications. Any information and of y'all have would be greatly appriecated. Thanks!


It depends what the pre-existing clause is. Some plans have strict clauses that limit benefits for any pre-existing condition, while other plans have no restriction at all. It's a case-per-case situation.

However, many insurance plans must waive the pre-existing condition clause if you provide proof of your previous insurance (your military insurance). They usually require that you have no lapse in coverage, or limit this lapse to 90 days or so.

Do your research to see what you're purchasing and what rules apply to you.

yes, it does depend. The insurance I'm with now had a 1 year period where it wouldn't pay for any tests/procedures for pre-existing conditions, but then beyond that it would. This is probably to prevent people from signing up just to have an expensive surgery or such covered and then dropping it.. Some might offer coverage for it right away but at a higher deductible or higher monthly payment..