Thank you for contacting us. A group plan, like one you have through your job, cannot refuse to cover you or decide to charge you more if you have a pre-existing condition. In some cases, a group plan can make you wait before it will cover care for a pre-existing condition. The Health Insurance Portability and Accountability Act allows a pre-existing condition to be covered without a waiting period when you join a new group plan if you have been insured the previous 12 months. This means that if you remain insured for 12 months or more, you will be able to go from one job to another, and your pre-existing condition will be covered—without additional waiting periods—even if you have a chronic illness.