Tuesday, January 27, 2009

5. Know your rights about pre-existing conditions.

If you join a new group health insurance plan -- either through your spouse or partner's plan or in a new job -- you can't be denied coverage because of pre-existing medical conditions, but you may have a waiting period of up to a year in certain situations; the rules are posted on the Department of Labor's web site.

Private health insurance companies can deny your application for coverage based on pre-existing conditions.

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