posted
My soon to be ex-husband quit his job three months ago and started another, now everyone tells me that since we dropped that insurance another insurance company won't take me because my condition is pre-exisisting. Is that true? and if so what do I do about medical bills? I'm in the middle of a devorce and have two kids and no extra money for Dr.'s. Any suggestions? thank you and God bless, Angie
Posts: 19 | From Washington | Registered: Oct 2005
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Linda LD
Frequent Contributor (1K+ posts)
Member # 6663
posted
Angie,
I don't know--hopefully someone that does will be along soon.
Linda
Posts: 1171 | From Knoxville, TN US | Registered: Dec 2004
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"Pre-existing conditions" refers to any problem while the patient had NO insurance coverage.
I'm not sure how they will look at an interruption in coverage. That's one of the reasons most people opt to get COBRA until they get a new insurance. Maybe it's not too late to look into it.
Try to go on their website and look at their pre-existing conditions clause.
Posts: 159 | From CT, USA | Registered: Jan 2005
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mlkeen
Frequent Contributor (1K+ posts)
Member # 1260
posted
When I was buying new coverage several years ago this is what I found for Pennsylvania. I could buy insurance with a pre-existing condition, but coverage for that condition would be delayed for a period of time. I do not remember how long that was, but something like 6-12 months.
I did not have a lapse in coverage and went from one group, my ex-husbands, to another, self-employed, group. It seems to me that if I was buying insurance as an individual, same insurance company, it would have been tougher to get coverage with a pre-existing.
I didn't have a pre-existing, but had been diagnosed with lyme and treated for one month about 8 months before changing companies. This is when most doctors still believed lyme was cured in a month. I was later treated long term for lyme. I guess I got it again.
Many years ago, when I was in the "real" business world, we had an employee whose wife had diabetes. She was covered for other illnesses but not for the diatetes. She was a dependant and if I remember during open enrollment could be covered.
posted
I hate that term, pre-existing, it makes no sense. You can't have a disease before it exists, it can't exist before it exists, well anyway, technically if its in its cystic form it doesnt "exist" in the blood work so maybe for today you are cured on paper, and next week, it will come back "again" do you follow me?
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I had the same worries just recently and there is a federal law about going so many days before the preexiting conditions apply. It is something like 60 or 63 days without coverage. You can call a toll free number and they can explain. It is part of Cobra and something called HIPPA. I don't have the number but you can google Cobra HIPPA. My husband took another job and I was afraid to ask the human resources department to many questions about the insurance and when our Cobra bill came from the previous employer it was over a 1000.00 for 30 days. I have medicare and it is secondary. With all the medications I take I was so terrified that I was looking at going to Mexico for medication.
travis
Posts: 29 | From south | Registered: Dec 2005
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