It is very common for a health insurance policy to exclude coverage for existing health conditions during a "pre-existing condition waiting period." If this kind of period applies to you, there will not be any coverage for your existing health condition until the period expires.

The Health Insurance Portability and Accountability Act of 1996, generally referred to as "HIPAA", places limitations on those provisions with respect to what can be considered to be pre-existing and how long it can be excluded. 

If you are starting group coverage with an employer and you have had other health insurance coverage recently, you may avoid a new Pre-Existing Condition Waiting Period because of the time you spent under prior insurance thanks to a federal law known as HIPAA.

NOTE: Thanks to the Health Insurance Reform Act of 2010, pre-existing condition exclusions will not be permitted. 

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