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I am really getting sick of the insurance companies. When you start a new job - you usually have to wait 90 days until you insurance kicks in. Right?Pre Existing ConditionsDear Angela Unfortunately since there was more than a 63 day lapse in coverage, you are going to be under the pre existing waiting period until 01/01/2013. What this means is the Dr’s you’ve already seen will get a letter from us asking what they have seen you for 6 months prior to 01/03/2012. If they say th...