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 Posted: Tue Aug 25, 2009 8:11 pm Post subject: Health Insurance Choices |
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| I have pre-existing Neurocardingenic Syncopey and Low Blood Pressure. I'm looking for good health insurance. I've been looking in to Cinergy but I havent been hearing good things. Please suggest some Health Insurance companies that will cover those two things. I have already used Humana and Blue Cross. Thank You |
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sassy1
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| Posted: Wed Aug 26, 2009 7:24 am Post subject: |
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Hi Sassy1,
| Quote: | | I have already used Humana and Blue Cross. |
I don't think these carriers had agreed to cover these conditions knowing that they already existed. I'd rather believe that you got diagnosed of such problems during your coverage tenure.
So why would anyone agree to cover you for these 2 conditions now?
I'm not saying that you won't manage to have any health insurance. I'm just trying to point to the fact that insurance carriers would only cover for unforeseen risks.
They won't cover us for risks that are already there. That's the way they work!
Steven |
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steven
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| Posted: Sun Aug 30, 2009 4:33 pm Post subject: helth insurance |
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im a 24 year old with out insurance i have acute asthma and i need some tipe of insurance qote to day and cheep
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Robert jacobs
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| Posted: Sun Sep 06, 2009 6:54 am Post subject: |
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| I am looking for a heath insurance company too. Now i am young and my boday is good, but with time pass i feel bad. So if you have more choice you can share it wiht us here. |
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kevinll
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| Posted: Thu Sep 10, 2009 9:18 am Post subject: |
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Hi,
I also face such type of of problem and one of my friend suggested me that if these are not work then try another health insurance company ie. USA-Healthinsurance.com and believe me I got good benefit from that thanks to that insurance company.
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| Posted: Thu Sep 10, 2009 9:46 am Post subject: |
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Hi,
I think that your problem is come out due there is a lot of insurance company which is advertise very much but they din not good. So always try to to find the good insurance company consult your friends, your neighbors and you college about the find the good insurance company. There are several good insurance company you searched them online.
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ronniehamilton
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| Posted: Thu Sep 10, 2009 3:54 pm Post subject: |
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| Am I the only one that wonders why the English/grammar on this forum is so bad? |
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dgoldenz
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| Posted: Tue Sep 15, 2009 3:03 am Post subject: health insurance |
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| Good for you that you decide to get or apply for health insurance. But before you apply for any insurance, make sure that the company have a license and it's legal. |
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sherrylouz
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| Posted: Fri Oct 23, 2009 1:32 am Post subject: Just inquire.... |
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I think you should inquire to some companies if they are offering some health insurance.... or maybe you should research to the internet about health insurance companies that covers what you need......
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cybermedicine88
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| Posted: Fri Oct 23, 2009 2:35 am Post subject: this post |
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Interesting
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OhioQuotes
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| Posted: Fri Oct 23, 2009 4:46 am Post subject: |
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 This thread has gone completely south. It's making no sense whatsoever, so let me shed some light if I may.
The underlying problem is that there are several pre-existing conditions that insurers aren't thrilled about.
| Quote: | | I don't think these carriers had agreed to cover these conditions knowing that they already existed. I'd rather believe that you got diagnosed of such problems during your coverage tenure. So why would anyone agree to cover you for these 2 conditions now? |
I agree with Steven's comment. There are only a couple of states that don't allow insurers to exclude for pre-existing conditions ("pre-x") , and that applies only if the carrier actually issues the policy. Not one state has a requirement that an insurer actually issue an individual medical expense policy.
States that do allow exclusions for pre-x will only allow the exclusion to remain in place for a period of time after the effective date of coverage. Depending on the situation, the ability to claim creditable coverage under HIPAA (another story altogether), and the state where you live, carriers are typically allowed to exclude coverage for pre-x anywhere from 6 to 18 months after coverage begins.
Please remember that NO STATE REQUIRES an insurer to ISSUE an individual medical expense policy.
I don't think that a carrier will issue a new policy, but I could be wrong. If possible, group coverage through your employer would be best, but I have a feeling that's not an option here.
Last resort, every state has some sort of insurance pool for people who can't get insurance through normal channels. Let me know what state you're in and I'll point you in the right direction.
InsTeacher 
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InsTeacher
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| Posted: Wed Nov 11, 2009 1:53 am Post subject: |
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Good points teacher.
While they can't exclude preexisting conditions, they can simply decline to offer cover instead - which is what they will probably do.
As with most things though, shopping around and making sure you have covered off all your options is the only way to make sure you have found out what cover is available and whether or not there are insurers which will cover you.
Forunately the internet allows us to get some of this information very quickly and easily. Go to one of the sites which allows you to get multiple online health quotes - theres one in my sig if your interested - and see who will quote you in your area.
You may find that some are more open than others, but you may find - for example that some insurers will offer you cover with a stand down period on particular claims, rather than permanently excluding them.
A 12 or 24 month stand down on claims is a viable alternative to a flat decline of cover for some insurers, but you need to find the right ones of course.
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heidrek
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