My brother has a preexisting back problem and his insurance carrier refuses to pay for any doctors visits that involve his back. So he was wondering if there is an insurance company that would pay for his doctor visits for his back even though it is a preexisting condition.
2007-09-27 13:25:50 · 7 answers · asked by Anonymous in Business & Finance ➔ Insurance
No, they don't - it's like trying to place a bet at the track, after the race is over.
His only shot is to get a job with group health insurance - and just wait out the 18 months or so for the pre-existing condition. After the 18 months, they would start covering it.
2007-09-27 14:08:40 · answer #1 · answered by Anonymous 7 · 1⤊ 1⤋
If you live in the USA here are your choices:
get a job that includes health insurance. The policy for a group usually doesn't have these preexisting conditions.
Buy a policy that after some time (usually one or two years) the preexisting conditions will be covered.
Vote democrat. Always, in every election. (This should be in addition to whatever you choose. Hopefully someday soon we will join the rest of the civilized world and realize that for profit health care-is evil.)
2007-09-27 20:32:09 · answer #2 · answered by beenthere 3 · 1⤊ 0⤋
If he's capable of working then some companys dont' have the pre-exisiting option but a lot do. Its best to check before hand. Most companies that don't cover pre-existing usually only investigate up to 3 months prior to his medical insurnace effective date but can go up to 6 months.
Also did your brother have medical insurnce prior to the current carrier. If he did and was for a year or more and there wasn't a gap of 63 days or more then pre-existing can be waived by obtaining a letter of credible coverage from the prior carrier. Per HIPAA laws, an insurance company has to waive pre-existing if you had this coverage.
2007-09-30 23:01:35 · answer #3 · answered by Superdave 2 · 0⤊ 0⤋
Welcome to the scam that we call health insurance. The only way insurance will cover it is: If the insurance is through work!
If he gets a job that gives insurance than yes, that insurance will cover the expenses after a period. (usually 6 or 12 months)
If he tries to buy health insurance himself, they will have an exclusion clause.
No go and let your senator know that this system needs to change or you'll vote for the other guy!!!
cheers
2007-09-27 20:33:10 · answer #4 · answered by El Griton 4 · 1⤊ 0⤋
Group policy is your brother's best option. Insurance is generally designed to displace an unknown risk, not a known risk.
I was watching LA Ink one night and Pixie needed her tonsils taken out. After hearing how much the operation was, she said, "It's okay, I'll just get health insurance." What organization in their right mind would let you pay a few hundred for an operation that would cost a few thousand?? It just doesn't make sense.
Don't give me sob stories. My wife is uninsurable. My brother is uninsurable. You just need to learn how to work around it.
2007-09-28 10:20:20 · answer #5 · answered by aaron p 5 · 0⤊ 1⤋
does your brother been admited? actually you may try to aply the medical insurance first, normally company will ask your brother to attend a medical check-up. if the medical report is good, maybe company will accept your aplication with loading on your premium base on how's the status & condition of your brother's back problem. anyway u may contact me if you need any help or consult from me. 012-4532123
2007-09-27 21:38:09 · answer #6 · answered by leongChiahann 1 · 0⤊ 0⤋
No, insurance is to insure against risk not to pay after the problem has happened. It would be like buying flood insurance only after a flood. He may be able to be covered on his employers insurance, medicaid or medicare.
2007-09-27 20:48:06 · answer #7 · answered by shipwreck 7 · 1⤊ 1⤋