Scan Medical Insurance

Help! Health Insurance question with regards to HIPPA I'm 23/M just got off parents insurance do I have 63days?

I got this off the HIPAA website can someone explain further... "HIPAA imposes limits on the extent to which some group health plans can exclude health insurance for pre-existing conditions. For instance, if you've had "creditable" health insurance for 12 months, with no lapse in coverage of 63 days or more, a new group health plan cannot invoke a pre-existing condition exclusion. It must cover your medical problems as soon as you enroll in the plan". I am 23 and just got off my parents insurance due to age it expired 4/30/09. I am currently employeed but my work has open enrollment in DEC and I haver something wrong with me now. I believe if I were to get private individual insurance they would deem my condition pre-exisiting (stomach problems) that have been documented before my ins expired. If I understand HIPAA correct... If I go get private insurnace for like 100-200 a month since it's been less then 63 days of my insurance expiring they can't have a pre-exisiting condition clause? I had blue cross blue shield of Illinois before it expired so it was a major coverage plan. I need to act quickly if this is correct right? I just want to verify I'm understand the HIPAA protection rights before paying for a private plan. As I understand If I were to sign up for one today... it would be less then 63 days before my old plan expired so they couldn't use the pre-existing clause or could they? My problem is going to require a CT scan so I know me getting private insurance and getting a CT scan they are not going to like so I need to cover my ends before making the investment of private health care. I was a student but am off for a semester (trying to earn money) so I can't get coverage threw my college. Thanks in advance.

Public Comments

1. Check your companies policy. A lot of them don't look at preexisting problems (depending what it is) you may have to pick up Hippaa till yours kicks in. my son has a thyroid problem and that is what he had to do. start talking to your new insurance company and find out.
2. Health insurance can be very tricky. Since I live in Wisconsin I'm not familiar with the Illinois regulations, so I recommend you call a nearby insurance agent. http://www.americaschoicetoday.com/Health-Insurance.html They will be able to assist you.