Group Health Insurance and Pre-existing Conditions

Q: Our Cobra coverage runs out the end of this month and we are looking to join a group health insurance plan at my husband’s company. My son will need to go into the hospital for surgery next month. Will the new insurance company pay for the treatment even though my son has pre-existing health problems?

A: As long as you have had major medical health insurance for 12 consecutive months without a lapse in coverage for 63 days, the new health insurance carrier will pay the claim.