Hey Guys My wife has an international student health insurance thru www.psiservice.com from last 7 months. now if she moves to suppose united healthcare will they consider that 7 month coverage and reduce their 1 year preexisting condition no-coverage to 5 months? on what basis insurance companies do that?
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The issue will come down to if the international student health insurance is creditable coverage. Most health coverage is creditable coverage, such as coverage under a group health plan (including COBRA continuation coverage), HMO, individual health insurance policy, Medicaid or Medicare. If you have not already received a certificate of creditable coverage from psiservice you need to contact them to get certificate from them.
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