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Additional Details
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Mommyluv | Health insurance for pre-existing conditions? |
I'm 29 years old and had reconstructive urological surgery as a child and have had to be closely followed by a urologist all my life. I'm originally from Canada, but have permanent residence in the US now and am working towards my citizenship. My husband is American and is soon getting out of the army and looking for a new job in the civilian world. We were covered under tri-care through the army so finding health insurance was never an issue.
If my husband doesn't find a job that offers health insurance through his company, am I going to have problems finding individual insurance for me when I have pre-existing conditions?
Any advice would be greatly appreciated..thanks! |
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Zarnev
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It will depend on what the follow-up procedures entail. Depending on the company and the state they may cover you with an increase in premium, they may rider the condition - meaning they won't cover anything related to the surgery, or they may decline you altogether. There is no way anyone here will know. If you find yourself in this situation you'll need to visit a local agent that works with all the major companies. The agent can find out which company would cover you the best. |
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HMichele
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Like many have said, it all depends on the current status of your condition. If you had the surgery as a child, periodically get checkups to ensure continued good health, and nothing has been a problem....then it is possible you are a good candidate for an individual policy.
If you apply and are accepted, there are 3 possibilities that can occur:
1. They issue with no stipulations.
2. They issue but do not cover anything in relation to your condiation for a specified amount of time.
3. They issue with a waiver stating that they will never cover anything pertaining or relating to your condition.
In the event that they won't cover it, they will direct you to the state risk pool. Each state has a risk pool that will offer health insurance for a higher premium to those that are otherwise uninsurable or who have certain conditions that won't be covered through a traditional insurance plan.
All ins companies will have the built-in 12-month pre-exisiting condition clause which means....anything you have had treated in the last 12 months will not be covered for the first 12 of your new policy. This is waived if you have proof of prior coverage for at least 12 months, which you do. Be sure to have something ready to pick up on the day that you lose coverage through the military. Most states give you a window of time where you can go without and not lose the pre-exisiting credit. In your particular situation, I would strongly advise against going without coverage.
Good luck! |
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Tim
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It depends on the state you live in. Some states require the insurance to cover pre-existing conditions. The premium is much higher though. |
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sunny1o3
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your husband has the option of keeping the current health care as long as he is honorly discharged have him ask the benefits officer, My father kept them, I'm not sure how it works but it is a question that needs to be asked,
Good Luck |
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Captain Tenneal
 |
Even if it was an issue you would probably only be unable to file a claim for the first year of coverage.
If you are covered under your husband's group policy it's doubtful they would even ask about your history or his for that matter |
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ldorman
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Depends on the pre-existing condition and who the new carrier is but 9 times out of 10 you cannot have a lapse in coverage. I don't know enough about Tri-Care to give specific advise though sorry. |
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