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What Are Considered Pre-Existing Conditions?

What is considered a preexisting condition?

Pre-Existing Conditions Are Medical Conditions You Had Previous To Enrolling In A New Group Health Plan

It is a medical condition that you have had, prior to the date that you enroll with a new health plan. Many short-term individual medical plans do not cover pre-existing conditions. When you continue insurance with COBRA, your pre-existing conditions are covered. If you have a history of medical conditions or take prescription medicine, it’s often best to continue on your employer-sponsored insurance until you obtain new health insurance.

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.


*Eligibility for short term medical insurance is based on age and state availability.

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