Is there such a thing as insurance for people with pre-existing conditions?

Question

I have MS, and lost my insurance a year ago. Our present/new insurance co. won't pay for anything having to do with MS. I need medical care now. I can't wait another year. I can't afford the type of medical care necessary for my condition. There has to be something out there.

Answer 1

I'm going to take a shot at this one and suggest Social Security Insurance (S.S.I.) a friend just came up with MS she's only 27 and works for a major airline. They wouldn't cover her so...that left her hanging. I've been on S,S.I. for years now. I suggested it.
She did as I instructed and went through the phone interview, they started her with a doctor and meds right away. I was even surprised at how fast they went to work. I guess every area is different according to the population.

Long story short, she's on S.S.I. now and at least eating and paying the rent. Of course she had to change her lifestyle but...?

Answer 2

In our state we have the Missouri Pool of Insurance and they have to accept anyone who can not get insurance elsewhere. It is rather expensive, but it might be cheaper than your healthcare expenses. Check with your state about this. I do think you have to have something stating you were denied coverage from a few companies. If your income is low enough you might qualify for Medicaid. I really do not have any idea what the income level is for that. I would definately check with your state and they can give you some more precise answers on this. I hope that helps. As an insurance agent, it is getting harder and harder to provide insurance for individuals at a very affordable price. We really do not concentrate on selling it much anymore. People in our area just can not afford it. Or, if you can work you could get on with a group health insurance plan. It could still void pre-existing conditions. I hope you are able to find something because it is so important to have this. I do not quite understand why your present company has stopped providing coverage for MS. Have they presented you with a letter stating these conditions? Did you sign this? You might want to check with them regarding more information on the situation. It seems strange.

Melanie
www.automaticbuilder.com/oneharrycat

Answer 3

There are some questions that need to be answered before I can really answer the question. First, why did you lose your first insurance? Was it a group coverage that you lost, and were there any COBRA rights involved? Is your current insurance through an employer? If so, did you check to make sure you received "pre-existing" credit for the time you were covered under your old policy? HIPAA (the federal law) was passed to prevent insurance companies from raising pre-existing denials when someone changed coverage. Does your state insurance regulations allow "continuation" of your coverage if there is no COBRA. Also, if there are no COBRA, continuation, or HIPAA rights, you may want to check with your state's Medicaid programs, or, if your MS prevents you from working, you may be eligible for Medicare if you are found disabled and unable to perform your work. Either one of them would entitle you to benefits right away. Some states also allow citizens to obtain a state funded insurance that may waive pre-existing conditions if you pay a higher premium. Check with your state to see what they offer.

Answer 4

This is one off the major problems with the USA health care system. The sad answer is you will have to spend all your own money. When you run out, THEN, the system kicks in. Sorry.