Health insurance for preexisting conditions
I've been denied health insurance below a private plan due to preexisting conditions and have to wait 3-5 months to be official into the CA high risk pool at a cost of $320/month which I really can't afford. Also, my employeer doesn't offer vigour insurance.
Does anyone know how to get coverage?
Answer: I have included the cooperation to the Dept of Health and Human Services which will give you more info about pre-existing conditions and how to relief yourself in the future. The Health Insurance Portability and Accountability Act (HIPAA) regulates pre-existing conditions and how long a plan can not cover them. Also some accurate info should you leave this job surrounded by the future.
I don't know if this is an option, however, big group policies typically don't have pre-existing clauses and/or the will accept you next to a waiting period. If changing job is an option??
This site will also have plentifully of good "general" health insurance information and you might want to check other local state option.
CAUTION-- I've seen people advertizing vigour insurance for people with pre-existing conditions on Answers...label sure you read the policy VERY carefully before signing up near an unknown company. If interested you can search for previous pre-existing "Answers" here, however, I don't necessarily recommend some of the sites being offered...watch out and wise.good luck!
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You may be eligible for a guaranteed issue HIPAA individual form insurance plan.
There are 6 requirements that you must meet in direct to be eligible for HIPAA in California (or any state).
Here is some more information to help you determine if you are eligible for HIPAA, some information on finding a plan when you enjoy pre-existing conditions, and some information specifically on finding health insurance in California:.
Pre-existing clauses customarily only apply to health concerns you enjoy actually sought medical care for contained by the period stated in the policy. If you can avoid for the few months, however long is required by that plan than do it.
My husband carry BC/BC AL on he and our children. We were debating cancelling my Medicare(for disability) and him carrying me on his policy as all right. This is what I was told by them. I would try other independant companies. When researching health insurance you might want to try and bookmark this site for research information, report, articles, insurance quotes, companies, links and more. It should have the resources to help you beside your question.
http://www.healthinsurance-guide.net/
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