Just a thought, explore the options on the new insurance for covering a pre-existing condition. I once had this happen to one of my employees and we found out that since she had a pre-existing condition and this insurance was replacing the old coverage, she was still covered for her condition. The new policy had an exclusion for any new cases or diagnoses that came after the employee was enrolled in coverage. Not sure if this would help, but you might look into it. Good Luck!! Lisa