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Additional Details
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kygal | I need insurance but have preexisting conditions-what plan would be the least expensive? What can I do? |
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nightrider
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Maybe you can get a discount from American Family by putting your personal goods, rental or homeowners and car insurance all together. |
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MostChoice.com
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Unfortunately, there’s not really such a thing as insurance for pre-existing conditions, but the good news is that it’s much easier to find help these days. Your best chance is to join a group health plan, such as one you get through work. If you were under a group health plan, you should be protected under the Health Insurance Portability and Accountability Act (HIPAA) in this circumstance. Under HIPPA, you should be able to credit the time you were covered under the old group plan against the waiting period of the new group plan – as long as you haven’t gone more than 63 days without coverage. Call your old health plan and get them to send you your certificate of creditable coverage. You might also want to contact your state insurance department to see if there are any state-sponsored or subsidized discount health insurance programs (link below).
If you haven’t been treated for your condition, you may not have as much difficulty finding affordable health insurance as you might think. Even if something is wrong, your health problem may not be one of the conditions that they exclude coverage for at the beginning of a health plan.
You might also try support organizations for your condition. Needy Meds (link below) is a clearinghouse for such organizations.
Group health insurance is less expensive than private insurance, and it’s easier to qualify for. However, the difference between group rates and individual rates is not as great as it used to be. To sum up:
•You could get insurance through your place of employment.
•through a trade guild or association
•through a high risk pool, if you have a condition that has made it difficult to get insurance on your own (link below)
•if you’re a self-employed business owner, you might be eligible to be considered a “group of one,” depending on where you live. This would allow you to purchase insurance as a group instead of as an individual.
Try visiting MostChoice.com. It can generate price quotes and policy descriptions on health plans. In addition, you can talk with qualified agents who have probably answered the questions you have about health insurance. It’s fast, free, and your personal information is kept safe and secure.
You can find it here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes@MostChoice |
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milomax
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Depending on where you live, there may be a high-risk plan (CHIP or Comprehensive Health Insurance Plan) available to you. To be eligible, you might have to prove that you have been denied by private insurers (like Blue Cross) and that you either have no cobra (from your last employer) coverage, or that the cobra coverage would be more expensive than the high risk plan. Also, there may be a waiting period.
Talk to an agent and see what all of your options are.
You also could look for a job that provides insurance - many of those do not have pre-existing condition restrictions.
It also depends on the condition as to whether a private insurer will take you. I have diabetes, therefore private insurance rejected me. Luckily I found a job that has great insurance and will cover my diabetes.
Good luck! |
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Barry T
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That depends, do you have current coverage or are you looking to start a new plan. Most companies, depending on the state you live in, may offer a pre-existing exclusion for a set period of time. This means that the company will not pay any claims related to the pre-existing condition during that time.
Other companies may do what is called rate up the plan. This means that they will charge additional premium to cover the pre-existing condition. Because state laws regulating insurance differ from state to state, it's difficult to give an accurate answer.
As far as cost, do your home work. Check around. But remember, a quote is just an estimate of the cost. Only having an application underwritten will determine what the actual cost will be.
One thing more, you might consider doing what is considered as a trial application with the company. This information will be looked at by the underwriter's to determine if they would approve your application (subject to full underwriting verification). This will prevent you from having several rated or declined policies in your name. This information is reported to the MIB (medical Information Bureau) and is used by other companies during underwriting. |
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tlc
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What city do you live in? Pa. has a program called Adult Basic. Im not sure if it covers pre existing. It is worth a try. |
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rahul
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Preexisting conditions are valid till the time you have not taken any treatment for them in past 6 months..If thats the case, no health insurance company could deny you coverage..
I would suggest you to go to Wellpoint or Aetna or likes of big companies..Also, try combining coverages from same company such as home, dental etc and other coverages..
To get more tips, you can visit -
http://www.healthinsuranceace.com |
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MoniqueLise
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You do still have options even if you have pre-existing medical conditions. Also, as was mentioned by another person, if you haven't had treatment for a condition for 6 months, you can be insured for it again under a "basic health insurance" plan. But that only applies to basic health insurance.
So, if you aren't looking at COBRA or a high risk pool or a public assistance plan, here are some options:
1. Use short-term health insurance during the required waiting period for most open enrolment plans. Under HIPAA law, the continuity of coverage rules then apply to the new insurance plan even though you were covered by a less expensive insurance policy during the waiting period. After the switch, your new plan will cover pre-existing conditions immediately.
2. Put family members on different plans even if you need open enrolment insurance. The best health plan for one family member with medical insurance problems is usually not the best choice for others who don't have pre-existing medical conditions.
3. "Basic Health Insurance", as I mentioned above, covers all pre-existing medical conditions after the policy has been in force for 6 months and accepts all applicants. This is a limited benefit plan that does not cover catastrophic costs and is not available in all states. You'll have to check with your state government to see if it is available in yours. While Basic Health Insurance won't cover everything, it also doesn't cost as much as other plans.
4. If out-of-pocket cash medical costs are high, join a health care discount plan. This is not insurance, but does reduce your out-of-pocket expense.
5. Be sure to check with the state insurance department for plans for applicants with lower income. You may qualify for better coverage at a lower cost. |
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Lindsey S
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Very low cost alternative. Go to www.mybenefitsplus.com/12713912. There is a lot of information and a video you can watch too. |
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anastasia U
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You may also check out this site http://www.upkb.com/healthinsurance.php for better tips and ideas how get to the best health insurance coverage for yourself. This source of info is really useful. |
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