That all applies to individual covrage after group ins. If you just changed jobs and have new group coverage, you are under guaranteed coverage depending on size of group. (Here in Calif, it is groups of two or more. in a lot of states it is 3 or more , some 5 or more. Talk to an agent in your state to be sure.
Regards,
Chris

Stage 4 squamous cell tonsil cancer. Two lymph nodes involved surgically removed before source found to be tonsil. Implant radiation right on tonsil, regular mask radiation therapy for two months and a final Implant radiation. All clear confirmed by PET scans for 6 years.