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Lysander | Can one buy new affordable NJ health insurance for a chronic preexisting condition after a COBRA period ends? |
What does the law say in New Jersey on this subject? If you have continuous coverage through your previous employer, and come down with a chronic injury or serious ongoing illness during your COBRA period during which time you are maintaining your coverage, and then you finish your 16 month COBRA period, can a new health insurance company you want to buy a policy from charge you an extremely expensive rate due to your preexisting condition, or is this illegal and do health insurers have to offer you the same rates they offer everyone else for their individual plans? Thank you very much for any insights you may have on this matter. |
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Jim Q
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Try this one - http://healthplans.bebto.com - my family have their health insurance - it is affordable and has good coverage for dental issues.
As I know they can provide coverage with preexisting condition. |
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dave
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Lysander,
I don't know the particular NJ law on this, but it certainly pays to explore as many options as possible in your situation.
There's a very good article at eHow that discusses how to get health insurance for you and your family when you don't have a job that covers you:
http://www.ehow.com/how_2367563_keep-health-insurance-lose-job.html
How to Get Health Insurance
Take a look at it, as it covers all the major possibilities for getting insurance, and gives some great resources you can use.
If money is a big issue (and when isn't it?), you can also look here for tips on earning some extra cash online:
http://www.ehow.com/how_2254361_money-internet.html
How to make money on the internet, scam-free
All the best. |
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Insurance Pickle.com
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Affordable and New Jersey don't belong in the same sentence. No you can't, but in PA, DE, and MD you could. No sparklers on the 4th of July and no affordable health insurance in NJ. |
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james m
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COBRA lasts for up to 18 months, after you come off group coverage.
In 1996 Congress passed the Health Insurance Portability and Accountability ACT (HIPAA) under Pres. Clinton's administration.
This law mandates that if an insured comes off COBRA at the end of 18 months, he/she would have the guarantee to be able to buy insurance from another carrier.
This was Pres. Clinton's idea of being able to "take your insurance with you when you leave an employment". What he DIDN'T stipulate was how much the insurance company can charge for the plan.
Insurance companies can charge up to 200% of the standard rate, depending on the health of the proposed insured. The policy could also be limited as far as benefits are concerned.
You may apply for the HIPAA plan within 63 days of the expiration date of the 18-month COBRA.
If a COBRA-insured person is in good health when the COBRA expires, he/she would be better off financially to apply for a standard individual health plan.
If a person is in good health when he/she leaves the employment, he/she would be better off by applying for a standard individual major medical plan.
Golden Rule Insurance Co. converts insureds from COBRA. If the company is licensed to do business in your state, there will be a local agent in your area. You may Google "Golden Rule Insurance" for information.
Best wishes, and God bless. |
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Zarnev
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After you've exhausted COBRA, which last for 18 months in most cases, you will qualify for a portability policy. Most major companies offer portability plans. The law is they must accept you but there is no law or regulations for the premium. I've seen portability premiums of $1000 to $2700 per month. The selection of plans are limited and the premium will be based on the chronic illness as well as the age of the client.
Some states have a high risk policy, but NJ is not one of them. |
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mbrcatz
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Likely, it's not going to be "affordable". As they HAVE to offer you coverage in NJ, they can charge whatever the heck they want, depending on the pre-existing condition.
They DON'T offer everyone the same rate. It's not a "one rate fits all", no more than they offer every DRIVER the same rate. 16 year olds pay more, and people with multiple DUI's pay more. The individual with the chronic, pre-existing condition, is just like a 16 year old with three DUI's. The rate is usually priced to be high enough, that you can't afford the insurance.
That's because, insurance companies don't want to WRITE that kind of risk - they LOSE MONEY that way. They'd go broke, and out of business. |
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