by Guest » Mon May 19, 2008 08:38 am
I have a question about health insurance. I am a 28yo F with a few chronic illnesses, such as diabetes, lupus, neuropathy, just to name a few. I have health insurance and have ever since the day I was born without a single lapse in coverage. My question concerns being denied future health insurance due to pre-existing conditions. If I were ever to go for a period of time, even a day, would I or could I be denied coverage from a new provider? I was told by someone that as long as I had coverage continuously from the day I was diagnosed with my illnesses that they couldn't be considered "pre-existing" with my new insurer, but I'm just not sure how all of this works or if it's true. I really have to take this into consideration if I ever plan to swith employers. If anone has any information on health insuranace and pre-existing conditions I'd appreciate it. BTW, I live in AZ. Thanks in advance for any help.
Posted: Tue May 20, 2008 10:23 pm Post Subject:
Hi LizLuvsMustangs,
Are you the same person who asked about life insurance on another thread? Just curious.
I have a question about health insurance. I am a 28yo F with a few chronic illnesses, such as diabetes, lupus, neuropathy, just to name a few. I have health insurance and have ever since the day I was born without a single lapse in coverage. My question concerns being denied future health insurance due to pre-existing conditions. If I were ever to go for a period of time, even a day, would I or could I be denied coverage from a new provider? I was told by someone that as long as I had coverage continuously from the day I was diagnosed with my illnesses that they couldn't be considered "pre-existing" with my new insurer, but I'm just not sure how all of this works or if it's true.
The very best place to get your question answered "exactly" is to check out the health insurance laws in Arizona - just Google - "AZ health insurance" and you will find a wealth of useful information.
First of all, the health conditions that you mention will always be "pre-existing" conditions.
However, under HIPAA (Health Insurance Portability and Accountability Act) individuals may enroll in group health insurance programs (without the pre-existing condition limitation), if they have had a minimum amount of continuous, creditable coverage under another health insurance plan.
You could always continue your current coverage under COBRA, for at least another 18 months.
States are different in their health insurance rules and regulations, so check with Arizona.
Maze
Posted: Wed May 21, 2008 06:00 am Post Subject:
Hi LizLuvsMustangs,
Check out if the following thread is of any good to you:
ampminsure.org/start/pre-existing-conditions.html
Thanx,
Plasticmind
Posted: Wed May 21, 2008 06:46 am Post Subject:
Hi,
Insurance cos. may provide you with some insurance by charging more premium than usual. They could also alter or curtail some of the known benefits from the package that they are offering you depending on your past health track. Thus all applications would be different depending on the case of the applicant & the carrier. They would also check if you are following the medical instructions since you were diagnosed eg. quit smoking, avoiding obesity etc.
You may get in touch with the following body:
Walter Jarvis Insurance Services
PO Box 32268
Los Angeles, Ca 90032
Arizona License - 178890
Nationwide: 866/344.8061
Fax#: 866/394.8320
E-mail:help@ARIZONAPLANS.COM
Regards,
Belarus-agent
Posted: Sat Jun 28, 2008 06:28 am Post Subject: pre-existing insurance
I have had insurance with a company for my spouse for 10 years or more. I not intentionally had a lasp of coverage. Now they say I have to re-instate, my husband since that time have contracted HIV. Will he be re-instated? If not is there any insurace that will pick him up? What can I do to get him covered?
Posted: Sat Jun 28, 2008 10:23 am Post Subject:
Once you stop paying premium for the policy, it lapses and to reinforce it you're required to pay the premium for the entire period for which the policy wasn't at force. I'd rather suggest that you shop for a new plan instead of reinstating the older one, as it may cost you less.
Posted: Sat Jun 28, 2008 10:36 am Post Subject:
Hi rathernotsay, I think what caribbean-mouse has suggested is a good idea. You can shop for competitive rates and better coverage.
Most likely the insurer will consider the HIV infection as a per-existing condition, and many insurer are known to exercise discriminatory polices against individuals with terminal illness, like- cancer, AIDS and so forth. Moreover, they can also deny a coverage owing to this facts.
Several state govts. offer health plans that covers people with HIV infections. You can check up with the state health department for such a plan.
Tk cr,
Posted: Fri Jul 25, 2008 04:25 am Post Subject:
Also check out what guaranteed issue plans are offered in your state, most states have at least one available if not several.
The rates may be high because they still take into consideration pre-existing conditions when determining the risk pool you would be placed in.
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