I have some knowledge regarding insurance changes and pre-exhisting conditions (I just had to deal with one in my new insurance – what a pain it was! ) Anyway, if you have “credible coverage”, meaning group coverage that has no gap more than 60 days, the new insurance company can not withhold coverage for pre-exhisting conditions – as long as your had that type of coverage from your last insurance company. If your gap is longer than 60 days, you must wait 6 months ( I believe in CA) to have the pre-exhisting condition covered. Private indivdual and some government plans are different. And yes COBRA is VERY expensive – I think we had to pay 1200 per month for 2 months until the new insurance kicked in. OUCH!
