Because of a condition ( sckitzophenia ) , the only reason I have ever had health insurance is because I have lied about my condition. As soon as the "s" word comes up I am either canceled or denied even though I have had no symptoms for five years . I have not taken medicine for five years but still am getting denied . I am 48 years old and really need to have health insurance. I pay for my wife and daughters insurance out of my pocket . Should I write the governor or congressmen or what ? Are there any insurance companies that will take me ? I am in California , been clean and sober for almost 9 years but my income is too high to get medical or medicare . I know they concider me high risk but I'm starting to get desperate. Maybe I should get a job at the post office so I can get benefits . I've had this condition for almost 30 years now. Are there others out there unable to get insurance like me ?
2007-02-28 10:51:48 · 7 answers · asked by westhighland 3 in Business & Finance ➔ Insurance
Very rare will an insurance company write a health policy if there is a pre-existing condition. The few that do charge very high premiums. Some insurance companies will write the policy but specifically EXCLUDE the condition. It depends on the carrier.
YES an insurance company can deny you a policy for schizophrenia, even in CA. Even if you get a job, the health plan may not write you a policy.
Being clean & sober is way different from being schizophrenic, and if you're not being treated for it, you're either not schizophrenic or you are and can't rationalize why you need to be treated.
2007-02-28 15:13:18 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
There's no point in lying to get coverage; if the insurance company ever found out you lied on the insurance application, they would void your coverage anyway (and that could very well mean that you'd have to pay them back for every claim they've ever paid out on your behalf.)
The options aren't good, though. Most states have some kind of high-risk pool (either through a state-managed plan, or through at least one insurer doing business in the state.) These plans are typically "guaranteed issue" plans, meaning that you can't be turned down for almost any reason. (There are a few exceptions.)
However, these plans generally do not offer what's known as "creditable coverage" (under HIPAA laws), which means that they would not guarantee your portability rights (the ability to move to another insurer, or plan.) They are also, as a general rule, very expensive and typically offer limited benefits.
Still, it may be your own option, unless you get a job that offers group benefits. In either case, your pre-existing conditions will almost certainly be declined for coverage in the first 6-12 months.
If you want to know about the options in your state, I suggest you contact your state's Insurance Commissioner.
2007-02-28 20:32:26 · answer #2 · answered by ISOintelligentlife 4 · 1⤊ 0⤋
If you get a job at a place like Home Depot, and you opt in to the insurance as soon as they let you, then you might be paying less w/ preexisting conditions covered.
2007-02-28 22:20:53 · answer #3 · answered by Michelle G 5 · 0⤊ 0⤋
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2007-02-28 20:49:33 · answer #4 · answered by Broker 1 · 0⤊ 1⤋
If you can get hired at a medium to large size company, your condition may get absorbed with all the rest, as group health decisions are not made based on one employee's health.
2007-02-28 19:31:40 · answer #5 · answered by Venita Peyton 6 · 0⤊ 0⤋
Go talk to an insurance agent that specializes in special risk.
Good Luck
2007-02-28 18:58:45 · answer #6 · answered by FortyLoveTX 2 · 0⤊ 0⤋
I think your best bet, would be getting coverage through a job... Good luck.
sckitzophenia? Do you mean a mental illness?
2007-02-28 19:51:01 · answer #7 · answered by Custo 4 · 0⤊ 0⤋