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pumky_2001 | Does anyone know of a health insurance company that will take someone with a pre-existing condition? |
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 |
 
Zarnev
 |
That depends upon the condition. Companies will rider the condition, increase the premium or decline you altogether, depending upon your state and the condition. Do not try to do this on the internet because you won't know which companies might take you until you've applied and gone through the underwriting process. Visit a local independent agent. This person knows the plans available in your area and can work with you to find the best plan for your situation. They don't charge any extra for the service.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients. |
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nurse ratchet
|
TEA is absolutely correct. However, each state has either a guarantee issue individual policy or a High Risk Pool that will take you without pre-existing limitations with no more than 63 days lapse in coverage for an individual plan.
Find a good independent agent in your area that knows the laws of your state regarding how they handle the guarantee issue part of HIPAA. It varies from one state to another.
By the way, most groups that have 50 or more employees have a health plan that does not have pre-exisiting limitations regardless if you have ever had insurance before or not. |
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TEA
 |
The information below applies to all major insurance companies that have to comply with HIPAA:
Are you applying for individual (medically underwritten) coverage or are you applying for coverage through a group (employer)?
Medically underwritten policies do not have to cover certain pre-existing conditions. They can deny coverage all together or put a medical rider (they would offer you coverage, but not cover the pre-existing condition).
With group insurance, if you have had 12 months of previous coverage without a break greater than 63 days, you should not have a pre-existing clause on your policy if you are coming on to coverage due to initial eligibility (new employment) or due to a qualifying event (loss of other group coverage, birth of a child, marriage to name a few). If you are coming on at your group's open enrollment, you could be considered a "late enrollee" and have an 18 month pre-existing condition clause. In that case, you would need to show proof of 18+ months of coverage without a break greater than 62 days to have your pre-existing condition clause removed.
A group policy cannot deny you coverage due to a pre-existing condition, but you may be subject to a pre-existing condition clause if you did not have prior coverage (as mentioned above).
I hope this helps. |
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mbrcatz
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Medicare and Medicaid are the big ones, OR, any group plan through your employer, after the waiting period.
Depending on what the condition is, many will take you and just exclude coverage for that one condition. |
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Christa
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Pre x depends on the employer, they choose if pre x applies to the coverage. If you are going to self insure....then you need to call around! |
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Tammy R
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Here is a Discount Benefits company that all on going Medical and Dental problems are accepted at VERY affordable prices!
http://www.helpyousavenow.com
Hope this helps. If you have any questions just email me.
Tammy |
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Steph
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Nope..but you can check out this healh/dental benefits company, on this site you can also see how many participating providers are in your area.
mybenefitsplus.com/smckeith |
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