Additional Details I've used an agent in my city and the insurance was thru travelers. NO tickets or claims in many years but my insurance is high. I did an online quote with Geico ...
A bunch of my friends swear that this is a great way to make money. For me, it seems like a leagalized ponzi scheme. Are there fat cats at the top of this pyramid smoking cigars and drinking ...
DOES THIS GO TO COLLECTION? EFFECT YOUR CREDIT? Additional Details Ummm...I'm not yelling....accidently hit caps. What is it with everyone freaking out about that. It's dumb. T...
Hello, My daughter is graduating from college next month. We were discussing her taking one month off to just kick back and relax as she's either been at school, working through breaks or ...
i just got a call for a interview but i also just came from a interview for a goverment gas and electric company that pays well and i was just wonder if i get both jobs, which should i ...
My boyfriend had a heart attack last year and is now out of most of his perscriptions. He still owes the hospital alot of money for the original ER visit and cannot go back to the doctor to give him ...
Hi. I was wondering if I am actually able to be added to my boyfriends benefits he gets from work. We live in Las Vegas, Nevada and he works at the Clark County Detention Center so its the County. ...
me and my dad r in the policy together and it is in my name. he told me he is only going to pay a little over 100 dollars. the total is in the $300...do we have to pay all that is due or can we pay ...
Ok i found out that i am pregnant however my insurance at work does not start for two more weeks. If I wait and do not do to the doc untill my insurace is active will that mean it is not a pre-...
My Son was on a school excursion during this time his bag had been taken and a $300 pair of reading glasses had been purposely vandalised. (not the first time he has had property trashed at school, ...
Does Anyone Know of a Health Insurance Plan, that will cover Pre-Existing Conditions?
That does not cost an Arm and a leg? Not interested in a Discount Health Plan, Just PPO and "Real Health Insurance" Plans. Additional Details Supposedly Hippa Passed a Bill in 1996, Where Insurance Companys are not suppose to impose the "Pre-Existing Clause" But I sure keep seeing it on Health Plans I have looked at...
HIPAA laws mainly concern group coverage and only apply if you've been covered by insurance within the past 63. Here is a link for HIPAA. http://www.dol.gov/dol/topic/health-plans/portability.htm
Individual plans, if they accept you, will sometimes waive the pre-existing conditions clause if you have had insurance within the past 63 days. If you have not the company may do several things. They may decline to accept you. They may place a rider on your condition which means they won't cover that condition or anything related to that condition. The rider can be from one year to permanent. They may accept you and your condition but increase the premium to cover the expense. They may accept you but have the pre-existing clause lasting 6 months or a year, depending upon your state laws. What they do depends upon the company and the condition.
You should go visit a local independent agent. The agent can talk with the underwriters to see what they may do before you waste the time applying. Different companies will treat any particular condition differently and the agent can find out the best company for your situation. The plans and premiums are exactly the same whether you use an agent or not.
acermill
You will find such programs only as part of employer sponsored health care insurance. If you are looking to purchase insurance as an individual, don't waste time searching. The programs do not exist.
wartz
An employer plan where you are part of a group and the good and bad risks are balanced. Think logically, why should an insurance company take on a known problem that will be a guaranteed loser for it?
UncleDaddy
Medicaid.
Don't let people like Mussolini Giuliani scare you with words like "socialized medicine".
EVERY HMO IS SOCIALIZED MEDICINE ON A SMALLER SCALE.
The taxes that you pay allow you to receive Medicaid and or Medicare and it also pays for the HMO's that provide medical care to those that pay the HMO directly for medical coverage.
Spock (rhp)
yes ... get a government job.
:-)
mbrcatz
Only the ones through an employer. If you have a gap of coverage more than 63 days, you have to wait out 18 months with the employer's plan, before the pre-existings are covered.
Bookies don't let you bet on the race after it's run. Insurance is the same principal.
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