Pre-existing conditions - Texas

Dallas, Texas - What are the laws surrounding pre-existing conditions? I'm looking to change jobs, and am currently under a doctor's care for a blood disorder. I've been insured at my current company for 5 years...can someone tell me what to expect from my next company's insurance plan?

[cbg]

"can someone tell me what to expect from my next company's insurance plan?"

Yes, I can.

Under Federal law, if you have been covered under your employer's insurance coverage for 12 months or more, and there is no gap in coverage between the end of your old coverage and the beginning of your new coverage (a "gap" is defined as 63 days or more) then your new insurance plan CANNOT consider any condition to be pre-existing.

I don't know Texas laws on this subject offhand, or if they even have any (not all states do) but they cannot be less generous than the Federal law.

So as long as you do not let your insurance lapse for 63 days or more between the end of your old coverage and the beginning of the new, you have nothing to worry about.

Be aware that your new plan may, and very likely will, ask for verification that you did not have such a gap in your coverage. When your old insurance is cancelled, you will receive a certificate providing the beginning and end dates of your insurance. A copy of that certificate is all your new insurance carrier will need. You do not need to provide it until or unless they ask for it. However, once they ask for it, no claims will be paid until you submit it to them. So keep it handy, once it arrives.