This question is for my neice she is in her 30's--She worked full time, had knee surgery five years ago. Quit that job and went back to school for her MBA. She completed her MBA in June with honors from a California State Uninversity. She was working part time at the college, student loan, and had surgery again. Now she is working for a non-profit organazation, no medical insurance, paying back her student loan. The doctor told her that she will need surgery within one year.
Question--is there any organazition that would cover pre-existing conditions?
2006-11-15 03:54:41 · 6 answers · asked by D S 4 in Business & Finance ➔ Insurance
Pre-exisitng are usually covered by indemnity plans. The reason they are willing to pay is they are usually charging you such a huge premium that they can afford to allow pre-existing conditions. Meaning you are basically paying them what you would have been charged anyway. There are some plans that include a pre-existing "rider" they are just few and far between and may not be available in your state.
Depending on what state you live in, there may be a program sponsored by your State Insurance Department that is called the High Risk Pool. What this program does is offer coverage to people that can’t get coverage any other way. I would suggest that you contact your State Insurance Department and see if they sponsor such a plan in your state.
You can also Google, type in, for example if you live in Illinois, you could type in Illinois State Insurance Department and it will come up with a listing of possible websites. You should be able to get the contact information for that Department from their site. You may also look around on this website and find, if they have one, a description of their Risk Pool program.
2006-11-15 05:27:39 · answer #1 · answered by NyteShayde 2 · 0⤊ 0⤋
A "pre-existing condition" is usually defined in the insurance contract as a condition for which you have received treatment within the previous six (or twelve) months. Of course this doesn't mean a thing is she doesn't have insurance. Maybe she ought to be looking for a job with medical insurance.
2006-11-15 04:02:23 · answer #2 · answered by Jack430 6 · 0⤊ 0⤋
nicely confident that's pre latest...yet may additionally matter why you're asking..I used to sell tvl coverage and if somebody had a pre latest scientific problem it did no longer stop them from having coverage. If in the final 3 hundred and sixty 5 days there became no substitute in drugs then we could have been able to insure you...in case you dosage had replaced in the final 3 hundred and sixty 5 days in spite of if had long previous down we does not have coated you for that problem... Is there a undeniable reason you're asking this ?
2016-10-15 14:11:38 · answer #3 · answered by Anonymous · 0⤊ 0⤋
An employer with more than 50 people usually has a plan that covers pre-existing conditions. HMO's also cover pre-existing conditions. Other than that, it would be a 12 month waiting period for coverage to kick in for pre-existing conditions.
2006-11-16 00:48:25 · answer #4 · answered by nurse ratchet 6 · 0⤊ 0⤋
Only some of the larger employers! She needs to quit her job at the non-profit, and find a job with a large employer.
2006-11-15 04:44:22 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
Try the Atnea PPO/HMO they have some good policies that should take her.
2006-11-15 04:03:08 · answer #6 · answered by Jody 6 · 0⤊ 0⤋