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Some useful information about insurances, policies and programs:

Check with several companies and agents. It is smart to check with several companies and agents before you buy. Be sure to compare benefits, limitations and definitions, the exclusions and the premiums.

Even if your coverage is continuous, there may be a pre-existing condition exclusion period for some benefits if you join a group health plan that covers benefits your old plan did not. For example, say you move from a group plan that does not cover prescription drugs to one that does. You may have to wait up to one year before your new health plan will pay for drugs prescribed to treat a pre-existing condition.



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