re: #120 Kruk

Surabaya, what happens to people with a pre-existing condition if the employer switches policies? Is the insurance company obliged to accept them with the condition covered, or can a condition that was covered previously be deemed in-eligible?

If there is no gap in coverage, plan changes should not affect an employee’s eligibility for coverage.
re: #122 Stanley Sea

From my experience, the employer ends up knowing about the employee or employee’s family member who has the pre-existing condition, and can determine their plan based upon that employee being covered.

Which leads to people knowing about your pre-existing condition (I worked in the office, so I got to “know” this stuff),

It’s kind of slippery in my opinion.

This may happen with employers who employe a small number of people. But I can tell you - it would be virtually impossible to do this if the employer had a large number of employees, each with his own conditions and also each with various family members with various conditions.