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AAIC Insurance. Alternative Insurance Corporation Help!?

My husband was admitted twice to the hospital on September 8th 2011. Both times were to different hospitals. He had recieved a new job in August 2011 which provide AAIC medical benifits. His insurrance didn't become effective til October 1st 2011. My question is do you think that his insurrance will cover for those two times he was admitted to the hospital? I was reading through his medical packet that came with his medical card and it had stated that they have a "Pre-Existing Conditions Benefit and Credit" Which also states The Pre-Existing Conditions Benefit Allowance will be provided only to an Insured Employee, and to his Insured Dependent(s) who were insured under the Participating Employer's prior plan that this Policy replaces and who becomes insured under the Policy on the Effective date of the Participating Employer's insurance under the policy. "Credit for Pre-Existing Conditions And Deductible Expense:" No major medical expense insurance benefits will be payable under the Policy for any expenses caused by, incurred for, or resulting from a "pre-existing condition" as defined in the policy. However, the "pre-existing condition" time limitation will be shortened by the Insurance Company by the period of time the Employee, or Dependent, was covered under Creditable Coverage if such coverage was continuous to a date more than 62 days prior to the Enrollment Date under the Policy. Does this mean that his insurance will cover for those two times considering it was 62 days prior to his insurances effective date? Please someone help. Thanks in advance.

Public Comments

1. How can you get admitted TWICE, on the same day? But there's no way that insurance is going to cover, before it goes into effect. Just like his boss isn't going to pay him for time, before he got hired. What that exclusion means, is that IF he has prior insurance coverage, and the gap between the OLD coverage and the NEW coverage, is LESS than 63 days, the new insurance company isn't allowed to exclude coverage for preexisting conditions. You don't mention when his prior insurance coverage expired - but if he didn't have any prior insurance coverage, not only are these hospital bills NOT going to be covered, but whatever the health problem is, is ALSO not going to be covered, for up to 18 months, depending on what state you are in.