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Will COBRA Cover My Pre-Existing Conditions?

Is there a pre-existing conditions clause with COBRA or am I covered?

Yes, COBRA Does Cover Pre-Existing Conditions

There is no pre-existing condition clause that would prevent your from receiving treatment. When you sign up for COBRA, you are actually continuing the same group health insurance that you had with your past employer. As an Affordable Care Act certified plan your medical conditions continue to be covered under your employer plan.

What Is A Pre-Existing Condition?

A pre-existing condition is any health issue that existed before the start date of your new health coverage, including conditions like asthma, diabetes, or cancer.

Changes Under the Affordable Care Act

Under the Affordable Care Act (ACA), health insurance companies are prohibited from charging extra, denying coverage, or limiting benefits for pre-existing conditions. This applies to all insured individuals, including those with conditions such as asthma, diabetes, cancer, or those who are pregnant. Furthermore, insurers are required to cover treatments for pre-existing conditions once coverage begins.

Options for Covering Pre-Existing Conditions

The ACA, also known as Obamacare, and COBRA both offer solutions for individuals with pre-existing conditions.

  • Marketplace Health Insurance: ACA plans are available through federal, state and private marketplaces and may be more affordable, especially for those eligible for subsidies. Explore ACA plans on the marketplaces.
  • COBRA Coverage: COBRA allows you to continue your existing insurance coverage. While it provides continuity, it can be more expensive than ACA plans. Each option has specific eligibility criteria that can be met during your special enrollment period.

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Short Term Medical Insurance Does Not Cover Pre-Existing Conditions

Short-term health insurance is an affordable alternatives to COBRA and typically do not cover pre-existing conditions. We recommend staying on your existing employer’s insurance if you expect major medical expenses while in between health plans. 

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