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Fresia
Wandering soul
 
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Member Since Apr 2010
Location: Off yonder
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Default Jan 23, 2012 at 09:58 AM
 
If the policy is still in effect with your husband's policy, you want to get what is called a "Certificate of Coverage" from them, showing you have coverage. If you pick up another insurance before your current insurance expires, due to HIPAA (the Health Insurance Portability and Accountability Act), you cannot be subject to pre-existing clauses on your new policy. Make a copy of the COC for the new insurance company.

If it does not work out to to extend the current (husband's) policy such as through COBRA, pick up another insurance before this one expires. COBRA sometimes however can be more expensive than some individual policies so do your research, but BEFORE the plan expires. Or at least extend the current one into COBRA until you can find a new one so you are covered. Do not want to let insurance lapse, otherwise you will be subjected to pre-existing clauses.

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Thanks for this!
vanessaG