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bob | Are there any health insurance companies that offer coverage for pre-existing conditions? |
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Zarnev
 |
Group policies through an employer do after a waiting period.
Many individual policies do depending upon the condition, your location, and your situation. There may be a waiting period or they may rider the condition. If there is impending surgery or un-diagnosed conditions you will be declined.
Visit a local agent that works with all the major companies in your area. The agent can do a prescreen with all the companies to find out whether or not any companies might accept you and on what conditions. There is no extra charge using an agent. |
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Don
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Depends on the pre-existing condition, and what state you are in. In Colorado your condition could be "up-rated", excluded, or you could be denied coverage entirely. Ask your local agent to to a pre-screen.
Don |
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Blessed
 |
This is a tough one. I know myself I have a pre-existing condition as well and it makes things very difficult. Have you considered getting a high deductible plan and then using a health discount program for office visits, lab work etc? If you want some more information feel free to contact me. |
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Phil W
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http://healthplans.my-age.net - Try this one. I personally have their health insurance.
As I know they have some plans to cover preexisting conditions. |
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mbrcatz
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There are a couple: welfare health insurance, like Medicaid or Medicare. Or, a group plan with a wait. Or, some states have a high risk health insurance plan, but they also have a wait before coverage kicks in for pre-existing conditions.
You aren't going to get a company to sell you a plan, in general, AFTER stuff goes wrong. Just like you can't buy a lottery ticket AFTER the drawing. |
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GreenSky
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In California (and probably elsewhere), pre-exisiting conditions are covered if they are disclosed on the application. This is subject to the waiting period of up to 6 months since last treatment.
Since waivers are not allowed in this state it is possible that your pre-existing will cause a company to decline to issue.
A pre-ex condition such as controlled high blood pressure, especially controlled with generic medication, will likely NOT be an issue.
Rick |
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