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 Posted: Tue Aug 11, 2009 5:17 pm Post subject: What about preexisting conditions? |
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| Can a person with preexisting conditions such as diabetes and stroke be covered under this insurance olan? |
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noble6768
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| Posted: Tue Aug 11, 2009 5:19 pm Post subject: Preexisting Conditions |
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Can a person with preexisting conditions such as diabetes and stroke be covered?
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Rebecca Ferguson
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| Posted: Tue Aug 11, 2009 10:10 pm Post subject: |
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Most health carriers (private) will not take on the pre-existing condition.
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Lori
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| Posted: Tue Aug 11, 2009 10:10 pm Post subject: |
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Most health carriers (private) will not take on the pre-existing condition.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Alston
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| Posted: Wed Aug 12, 2009 10:43 am Post subject: |
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I guess it's "stroke" that makes it so difficult. Is it not easier to get covered with diabetes?
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anonymous00
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| Posted: Wed Aug 12, 2009 3:29 pm Post subject: |
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It is a little easier to get coverage if you have diabetes as opposed to a stroke.
Some diabetics can be insured by some companies is certain areas, provided their diabetes is controlled by lifestyle changes only. They can't have any other medical issues.
However, most people who have either condition will be denied.
I'm going by the underwriting guidelines of the companies I work with. You might get a different answer from an agent in anther state.
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Alston
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| Posted: Thu Aug 13, 2009 2:30 am Post subject: insurance |
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| I know, from dealing with a 'Client', that most of the 'Secondary' Insurance ('discount ' Insurance cards, etc) companies won't insure someone with a pre-existing condition. I'm pretty sure that goes for Life and Medical Insurance. |
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sdchargersfan
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| Posted: Mon Aug 17, 2009 10:31 am Post subject: What State are you in? |
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| In Michigan, BCBS will cover you as an individual. They do not deny coverage. There is a pre-ex waiting period, however with HIPAA it is a possibility the pre-ex be waived. |
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cboyagian
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| Posted: Mon Aug 17, 2009 11:54 am Post subject: |
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hi cboyagian
| Quote: | | They do not deny coverage. |
Do you really mean that they cover under all circumstances? Or is it that they offer coverage through some specific conditions? Rebecca Ferguson
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Rebecca Ferguson
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| Posted: Mon Aug 17, 2009 12:02 pm Post subject: |
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Hi Rebecca,
In michigan BCBS will cover all. There is a 6 month waiting period for pre-existing conditions without prior group coverage. They will take all health conditions. |
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cboyagian
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| Posted: Tue Aug 18, 2009 1:52 am Post subject: insurance |
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| Quote: | | In michigan BCBS will cover all. There is a 6 month waiting period for pre-existing conditions without prior group coverage. They will take all health conditions. |
That would be great if it does cover everything...but, I'm sure you would be paying a VERY HIGH premium. |
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sdchargersfan
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| Posted: Tue Aug 18, 2009 6:57 am Post subject: |
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All employer based health plans that I've ever seen will cover pre-existing conditions after a 6 month or 12 month waiting period if there had been a break in coverage. With no waiting period if there is continous coverage. Independent plans could be a different story.
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Dasfuk
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| Posted: Tue Aug 18, 2009 11:01 am Post subject: insurance |
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| WOW!!..that's pretty good. Not alot of Insurance plans will do that. Anything like that in the state of PA, that you know of? |
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sdchargersfan
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| Posted: Tue Aug 18, 2009 11:52 am Post subject: |
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SD you an visit your local welfare office and they can help give you information and let you know if there are plans out there that will cover you. I do know Highmark will take pre existing conditions but like someone else said there is a waiting period. You have to be very truthful when filling out the original application because if they find out later something was preexisting it could lead to a lot of problems and having the policy cancelled.
Also you should have a community action program in your area (being that you are in PA) that will help you find insurance. |
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fireyone
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