What, if anything, has to be done so a new employer’s health insurance will cover my pre-existing injury?

Question

I am aware that some employer insurance plans will not cover a pre existing injury if it has not been first “ok’d” by the employer. What do I need to ask my prospective employer to do for this insurance company to accept my injury, which needs periodic care and every so often I need to replace medical appliances to assist caring for said injury.

Update:

I should say, that this employer is in Ontario, Canada

Update 2:

And it is not a injury that was cared for by wsib

? · Answer

Everything is free in Canada.

Eva · Answer

Under ACA, there is no such thing as a pre-existing condition. Even before that, if you had a coverage gap of no more than 30 days, the new policy had to cover them. That said, your new policy may have such a high deductible and co-pays that it might not cover very much.

Beverly S · Answer

Your insurance will either cover pre-existing or won't.  It depends on the plan the employer bought.  The manager can't just tell them to cover something if it's not in the plan.

rayo · Answer

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Casey Y · Answer

You say pre-existing injury...was this a workplace injury?  I only ask because WC should be paying in that instance...

This is a tricky one, you might want to ask someone local.

Elaine M · Answer

Talk to your human resources department, ongoing medical issues are sometimes 'maintained' with medication and appliances.

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What, if anything, has to be done so a new employer’s health insurance will cover my pre-existing injury?

6 Answers