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Some useful information about insurances, policies and programs:

Coverage for pre-existing conditions can be excluded under group health plans only for a limited time. The maximum period is 12 months. However, if you enroll late in a group health plan (after you were hired and not during a regular or special enrollment period) you may have a pre-existing condition exclusion period of up to 18 months. Note that U.S. requires fully insured small group plans to accept late enrollees after no more than an 18 month waiting period, an 18 month preexisting condition period, or a combination of the two not to exceed 18 months.

If you don't receive your policy within 30 days, contact the company or the agent. When you receive your policy, keep it with your important documents in a convenient place where you can find it. Tell a friend or relative where it is located.



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