A doctor left his job in another state and moved to Florida. The group insurance he had expired 20 days ago. The employer advised him he should be getting a "letter of creditability". Does this mean his pre existing condition will be covered with the new insurance company and they cannot deny him? thanks
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No. It guarantees only that if a policy is issued that will eventually cover the condition, then there will be no waiting period between when coverage starts and when coverage for the condition starts. it does not mean that a policy will be issued at all, and it does not mean that the policy will ever cover the condition.
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