| Message |
Author |
|
 Posted: Tue Aug 11, 2009 5:17 pm Post subject: What about preexisting conditions? |
|
|
| Can a person with preexisting conditions such as diabetes and stroke be covered under this insurance olan? |
|
noble6768
New member
Joined: 11 Aug 2009
Posts: 1
1.54 Dollars($)
|
|
| Posted: Tue Aug 11, 2009 5:19 pm Post subject: Preexisting Conditions |
|
|
Can a person with preexisting conditions such as diabetes and stroke be covered?
_________________
Register Now to have your Insurance queries solved. |
|
Rebecca Ferguson
Guest
|
|
| Posted: Tue Aug 11, 2009 10:10 pm Post subject: |
|
|
Most health carriers (private) will not take on the pre-existing condition.
_________________
**************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
************************************** |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 6810
Location: Missouri
44.09 Dollars($)
|
|
| Posted: Tue Aug 11, 2009 10:10 pm Post subject: |
|
|
Most health carriers (private) will not take on the pre-existing condition.
_________________
**************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
************************************** |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 6810
Location: Missouri
44.09 Dollars($)
|
|
|
|
Alston
Preferred member
Joined: 15 May 2007
Posts: 109
Location: Bridgeport, CT
35.69 Dollars($)
|
|
| Posted: Wed Aug 12, 2009 10:43 am Post subject: |
|
|
I guess it's "stroke" that makes it so difficult. Is it not easier to get covered with diabetes?
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Wed Aug 12, 2009 3:29 pm Post subject: |
|
|
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.
_________________
Insurance blog
Personal insurance quotes
CT health insurance
insurance leads |
|
Alston
Preferred member
Joined: 15 May 2007
Posts: 109
Location: Bridgeport, CT
35.69 Dollars($)
|
|
| Posted: Thu Aug 13, 2009 2:30 am Post subject: insurance |
|
|
| I know, from dealing with a 'Client', that most of the 'Secondary' Insurance ('discount ' Insurance cards, etc) companies won't insure someone with a pre-existing condition. I'm pretty sure that goes for Life and Medical Insurance. |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 1505
10.86 Dollars($)
|
|
| Posted: Mon Aug 17, 2009 10:31 am Post subject: What State are you in? |
|
|
| 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. |
|
cboyagian
New member
Joined: 17 Aug 2009
Posts: 4
Location: Southeastern Michigan
2.30 Dollars($)
|
|
| Posted: Mon Aug 17, 2009 11:54 am Post subject: |
|
|
hi cboyagian
| Quote: | | They do not deny coverage. |
Do you really mean that they cover under all circumstances? Or is it that they offer coverage through some specific conditions? Rebecca Ferguson
_________________
Register Now to have your Insurance queries solved. |
|
Rebecca Ferguson
Guest
|
|
| Posted: Mon Aug 17, 2009 12:02 pm Post subject: |
|
|
Hi Rebecca,
In michigan BCBS will cover all. There is a 6 month waiting period for pre-existing conditions without prior group coverage. They will take all health conditions. |
|
cboyagian
New member
Joined: 17 Aug 2009
Posts: 4
Location: Southeastern Michigan
2.30 Dollars($)
|
|
| Posted: Tue Aug 18, 2009 1:52 am Post subject: insurance |
|
|
| 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. |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 1505
10.86 Dollars($)
|
|
| Posted: Tue Aug 18, 2009 6:57 am Post subject: |
|
|
All employer based health plans that I've ever seen will cover pre-existing conditions after a 6 month or 12 month waiting period if there had been a break in coverage. With no waiting period if there is continous coverage. Independent plans could be a different story.
_________________
Can I say I’m working if I stare blankly at my computer all day? |
|
Dasfuk
Senior member
Joined: 27 Feb 2008
Posts: 363
Location: Ohio
88.71 Dollars($)
|
|
| Posted: Tue Aug 18, 2009 11:01 am Post subject: insurance |
|
|
| 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? |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 1505
10.86 Dollars($)
|
|
| Posted: Tue Aug 18, 2009 11:52 am Post subject: |
|
|
SD you an visit your local welfare office and they can help give you information and let you know if there are plans out there that will cover you. I do know Highmark will take pre existing conditions but like someone else said there is a waiting period. You have to be very truthful when filling out the original application because if they find out later something was preexisting it could lead to a lot of problems and having the policy cancelled.
Also you should have a community action program in your area (being that you are in PA) that will help you find insurance. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1988
0.00 Dollars($)
|
|
