Can a person with preexisting conditions such as diabetes and stroke be covered under this insurance olan?
Total Comments: 16
Posted: Tue Aug 18, 2009 01:52 am Post Subject: insurance
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.
Posted: Tue Aug 18, 2009 06:57 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.
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?
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.
Posted: Tue Aug 18, 2009 12:42 pm Post Subject:
What Das was saying is that if your employer provides health coverage, (this is for the employee only)...then they most generally HAVE to accept the pre-existing condition after a certain time frame. He was not speaking to private policys, only group/employee policys
Posted: Tue Aug 18, 2009 04:18 pm Post Subject: Insurance
In the state of Michigan, Blue Cross Blue Shield is the carrier of last resort. Are the rates a bit higher? Absolutely, but not high enough to warrant not having coverage. What they do not cover is cosmetic surgery with the exception of breast reconstruction due to cancer.
Posted: Tue Aug 18, 2009 01:52 am Post Subject: insurance
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.Posted: Tue Aug 18, 2009 06:57 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.
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?
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.
Posted: Tue Aug 18, 2009 12:42 pm Post Subject:
What Das was saying is that if your employer provides health coverage, (this is for the employee only)...then they most generally HAVE to accept the pre-existing condition after a certain time frame. He was not speaking to private policys, only group/employee policys
Posted: Tue Aug 18, 2009 04:18 pm Post Subject: Insurance
In the state of Michigan, Blue Cross Blue Shield is the carrier of last resort. Are the rates a bit higher? Absolutely, but not high enough to warrant not having coverage. What they do not cover is cosmetic surgery with the exception of breast reconstruction due to cancer.
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