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Pre-existing condition - medical insurance?

I am in the process of switching jobs. I have a spine injury and will eventually need surgery due to a car accident. My question is since this is an existing condition will I have to wait an extended amount of time for coverage to kick in from my new insurance company, Aetna. Will they even cover anything at all? Just a little background I live in illinois and currently all my medical expenses related to this have been paid my UHC and they will seek reimbursement for the insurance co. of the responsible party. I hoping there is not considered a "pre-existing condition" as it is related to a car accident and they will eventually get reimbursed.

Public Comments

1. It will be considered a pre-existing condition. However, if you do not go more than 63 days without insurance between policies the new company cannot put an exclusion on the condition. You'll need to make sure that, if the new employer coverage has a probation period of longer than 63 days before the coverage starts, that you take COBRA from your old policy if offered.
2. Do you know if pre existing conditions even apply to your new policy? Just asking cause some insurance policies don't have it. Well if you haven't had a 62 day break in coverage, and had your previous insurance at least a year, i don't think it matters even if it is considered a pre existing condition. It should still pay....
3. zarnev is on the right track but i would try to contact the insurance to get more info first hand. as a backup you should always get the cobra if you know you are going to need coverage and no laps in time.
4. If you had no lapse in coverage between this policy and the next group policy, then there's no wait. BUT, Aetna will be entitled to reimbursement, if you get anything in the lawsuit from these people. It's still a preexisting condition. But when you go from one group policy to another, with no lapse in coverage, the new plan can't exclude coverage for preexisting conditions.
5. Think about it..... Does the condition exist before the new policy?