Please get back to me regarding pre-existing coverage...
Total Comments: 19
Posted: Mon Sep 14, 2009 02:31 pm Post Subject:
The prices aren't even reasonable. They really sell junk at ridiculous prices. Cinergy and other discount plans should ONLY be used by people who cannot obtain major medical coverage because of a major pre-existing condition causing them to be declined by all major insurance companies.
Posted: Tue Oct 20, 2009 03:31 am Post Subject: Pre-existing conditions
If you are coming off Group Health coverage, have exhausted COBRA, have not been cancelled due to non-payment of premiums, have a Certificate of Creditable Coverage and you purchase new health insurance within 63 days, you may receive credit for pre-existing conditions. However, it could cost you more.
I know of only one Health Access Plan that will cover you immediately regardless of pre-existing conditions, and it is only sold in certain states. That is Assurant Health Access Plan A. It is cheap, limited benefit, with no coverage for hospitalization. Very basic. There are also some better ones that require 12 months continuous coverage before they will cover any condition that was treated in the prior 12 months before you purchased coverage. However, those will cover medications immediately. If you would like more information call me 1-888-543-5080.
Posted: Fri Oct 23, 2009 12:04 am Post Subject: OZqYmQeXDSQHCgmTDD
If she is happy your life is happier. ,
Posted: Tue Jan 12, 2010 02:45 pm Post Subject:
Posted: Tue Jan 12, 2010 02:46 pm Post Subject:
Posted: Wed Feb 03, 2010 09:30 am Post Subject: Pre-existing condition
A pre-existing condition is a health problem that existed before you have applied for the health care policy. Most of the health insurance companies exclude people with pre-existing conditions or impose a waiting period before the coverage starts. Sometimes they may also charge some out-of-pocket expenses or might higher the premium.
Posted: Tue Sep 14, 2010 05:31 am Post Subject: Insurance coverage
I am on COBRA. It will exhaust in January, 2011. I am 1 1/2 yrs. out from breast cancer. Is there any coverage anywhere for me? I am 62 years of age, was laid off from a company owned by AIG. Not old enough for Medicare.
Thank you.
Posted: Thu Sep 16, 2010 09:29 pm Post Subject: insurance
hey i think i have heard about this but i am not sure...thats why i would suggest you to consult internet and there you can find the best possible information
Posted: Fri Sep 17, 2010 02:59 pm Post Subject:
Kay . . . under the provisions of HIPAA, you will be eligible for "Guaranteed Issue" coverage from any health insurer of your choosing at the expiration of your COBRA continuation, but you must apply within 62 days of the termination date (you can also apply in advance, so that you have no gap in coverage). A GI policy may not provide all of the benefits you are looking for, but you cannot be declined for it due to your cancer experience. Benefits vary from one company to another, so you are best advised to seek an agent who can help you find the best coverage at the right price. The Internet, while convenient, is not always the best resource. For many people, it is too impersonal when it comes to insurance.
If you are more than 1 year beyond your last treatments when you apply, most companies would not decline you for more comprehensive coverage, but still might rate you substandard, which means a higher premium. You can always request reconsideration for a standard rating in the future, usually not more often than once a year.
If you are in California, there is also "Cal-Cobra" which would allow you to extend your continuation coverge for a maximum of 36 months from first eligibility. That would give you another 18 months, but still leave you about 18 months short of Medicare. Again, if a California resident, it's an option. It would continue your present coverage with your present carrier, but the premium could be as much as 150% of the employer's cost, which might not be very appealing to you.
So, if you are in California, I can assist you to find appropriate coverage or help you with navigating the Cal-Cobra landscape -- most employees and many employers are unaware of it because they have always had worked for or been companies with more than 20 employees, and no one has ever presented a Cal-Cobra request. I represent five of the most well-known HMO/PPO carriers in the state, all ones I respect and trust. I wouldn't do business with any other kind of company. All have HSA/HDHP offerings, too. You can send me a PM for more information.
Posted: Mon Sep 14, 2009 02:31 pm Post Subject:
The prices aren't even reasonable. They really sell junk at ridiculous prices. Cinergy and other discount plans should ONLY be used by people who cannot obtain major medical coverage because of a major pre-existing condition causing them to be declined by all major insurance companies.
Posted: Tue Oct 20, 2009 03:31 am Post Subject: Pre-existing conditions
If you are coming off Group Health coverage, have exhausted COBRA, have not been cancelled due to non-payment of premiums, have a Certificate of Creditable Coverage and you purchase new health insurance within 63 days, you may receive credit for pre-existing conditions. However, it could cost you more.
I know of only one Health Access Plan that will cover you immediately regardless of pre-existing conditions, and it is only sold in certain states. That is Assurant Health Access Plan A. It is cheap, limited benefit, with no coverage for hospitalization. Very basic. There are also some better ones that require 12 months continuous coverage before they will cover any condition that was treated in the prior 12 months before you purchased coverage. However, those will cover medications immediately. If you would like more information call me 1-888-543-5080.
Posted: Fri Oct 23, 2009 12:04 am Post Subject: OZqYmQeXDSQHCgmTDD
If she is happy your life is happier. ,
Posted: Tue Jan 12, 2010 02:45 pm Post Subject:
Posted: Tue Jan 12, 2010 02:46 pm Post Subject:
Posted: Wed Feb 03, 2010 09:30 am Post Subject: Pre-existing condition
A pre-existing condition is a health problem that existed before you have applied for the health care policy. Most of the health insurance companies exclude people with pre-existing conditions or impose a waiting period before the coverage starts. Sometimes they may also charge some out-of-pocket expenses or might higher the premium.
Posted: Tue Sep 14, 2010 05:31 am Post Subject: Insurance coverage
I am on COBRA. It will exhaust in January, 2011. I am 1 1/2 yrs. out from breast cancer. Is there any coverage anywhere for me? I am 62 years of age, was laid off from a company owned by AIG. Not old enough for Medicare.
Thank you.
Posted: Thu Sep 16, 2010 09:29 pm Post Subject: insurance
hey i think i have heard about this but i am not sure...thats why i would suggest you to consult internet and there you can find the best possible information
Posted: Fri Sep 17, 2010 02:59 pm Post Subject:
Kay . . . under the provisions of HIPAA, you will be eligible for "Guaranteed Issue" coverage from any health insurer of your choosing at the expiration of your COBRA continuation, but you must apply within 62 days of the termination date (you can also apply in advance, so that you have no gap in coverage). A GI policy may not provide all of the benefits you are looking for, but you cannot be declined for it due to your cancer experience. Benefits vary from one company to another, so you are best advised to seek an agent who can help you find the best coverage at the right price. The Internet, while convenient, is not always the best resource. For many people, it is too impersonal when it comes to insurance.
If you are more than 1 year beyond your last treatments when you apply, most companies would not decline you for more comprehensive coverage, but still might rate you substandard, which means a higher premium. You can always request reconsideration for a standard rating in the future, usually not more often than once a year.
If you are in California, there is also "Cal-Cobra" which would allow you to extend your continuation coverge for a maximum of 36 months from first eligibility. That would give you another 18 months, but still leave you about 18 months short of Medicare. Again, if a California resident, it's an option. It would continue your present coverage with your present carrier, but the premium could be as much as 150% of the employer's cost, which might not be very appealing to you.
So, if you are in California, I can assist you to find appropriate coverage or help you with navigating the Cal-Cobra landscape -- most employees and many employers are unaware of it because they have always had worked for or been companies with more than 20 employees, and no one has ever presented a Cal-Cobra request. I represent five of the most well-known HMO/PPO carriers in the state, all ones I respect and trust. I wouldn't do business with any other kind of company. All have HSA/HDHP offerings, too. You can send me a PM for more information.
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