I have coverage right now, but if I were to get a different job and different benefits, would they deny paying for meds for pre existing conditions? I live in Canada by the way.
I am pretty sure canada is about the same because when it comes to health care they are more lenient. Basically if you leave 1 job and go to a new one you would have to have insurance continuously between switching insurance carriers. In other words if you quit your job you would have up to 2 months before having to get new insurance and them covering your pre exsisting conditions. If your new insurance wont start for 90 days like most companies then it would be wise to do a few things either 1. Get a temporary insurance to cover you during that time so you wont experience a lapse in coverage and have to go through the 6 month waiting period. or 2. if your company allows you to get 3 month prescriptions then get 3 months at 1 time to hold you over until your next job and insurance goes into place. (when it comes to prescriptions there is no waiting period. But for the insurance company to cover you for doctors visits for a pre exsisting condition there could be a waiting period if you experience a lapse of more than 60 days in coverage.)
And to answer your specific question do you have to fill out a questionaire. If its group health insurance then no you shoulnt have to fill out one.
Source(s):
Life and Health insurance agent
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