State risk-pool coverage

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Author

Posted: Mon Apr 19, 2010 11:16 am Post subject: State risk-pool coverage

What are the state health insurance risk-pools? Are they really helpful for ones who have pre-existing conditions? Who all would qualify for such risk-pool coverage? _________________ Register Now to have your Insurance queries solved.

BillCoven

Guest

Posted: Wed Apr 21, 2010 11:01 am Post subject:

Some of us with even minor health conditions will have our insurance applications rejected by major carriers. Many states across the US bear risk-pools that help us under such circumstances. Such pools would offer short-term coverage though such protection might prove a bit costlier at times.

steven

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Joined: 02 Feb 2006
Posts: 1553

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Posted: Thu Apr 22, 2010 11:34 am Post subject:

These risk-pools are generally funded out of tax revenues that are generated through our hospitals. All those who'd meet the criteria would be pooled together in order to arrive at a group rate that's affordable. It's quite similar to that of an employer-backed health plan.

roddick

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Joined: 05 Oct 2005
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Posted: Fri Apr 23, 2010 10:04 am Post subject:

See, most of the states in the U.S. would show you through state risk-pools. You'd need to check if your state offers such pools or not. You may get in touch with your state insurance commissioner in this regard. _________________ Insuranceguy.ampminsure.org

Juanita

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Joined: 04 May 2007
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Location: Idaho
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Posted: Sat Apr 24, 2010 5:02 am Post subject:

Go ahead and apply for this benefit. Make sure you're applying in the same state that you belong to. _________________ Register Now to have your Insurance queries solved.

Picklesboom

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Posted: Sat Apr 24, 2010 5:52 am Post subject:

You'd perhaps need to prove that you're currently paying more than what the state risk-pool offers. Those who've been denied of health insurance coverage would also need to show proof of denial. _________________ Register Now to have your Insurance queries solved.