That does not cost an Arm and a leg? Not interested in a Discount Health Plan, Just PPO and "Real Health Insurance" Plans.
2007-10-20 05:45:08 · 6 answers · asked by donna_honeycutt47 6 in Business & Finance ➔ Insurance
Supposedly Hippa Passed a Bill in 1996, Where Insurance Companys are not suppose to impose the "Pre-Existing Clause" But I sure keep seeing it on Health Plans I have looked at...
2007-10-20 10:09:54 · update #1
HIPAA laws mainly concern group coverage and only apply if you've been covered by insurance within the past 63. Here is a link for HIPAA. http://www.dol.gov/dol/topic/health-plans/portability.htm
Individual plans, if they accept you, will sometimes waive the pre-existing conditions clause if you have had insurance within the past 63 days. If you have not the company may do several things. They may decline to accept you. They may place a rider on your condition which means they won't cover that condition or anything related to that condition. The rider can be from one year to permanent. They may accept you and your condition but increase the premium to cover the expense. They may accept you but have the pre-existing clause lasting 6 months or a year, depending upon your state laws. What they do depends upon the company and the condition.
You should go visit a local independent agent. The agent can talk with the underwriters to see what they may do before you waste the time applying. Different companies will treat any particular condition differently and the agent can find out the best company for your situation. The plans and premiums are exactly the same whether you use an agent or not.
2007-10-20 14:45:15 · answer #1 · answered by Zarnev 7 · 0⤊ 0⤋
Only the ones through an employer. If you have a gap of coverage more than 63 days, you have to wait out 18 months with the employer's plan, before the pre-existings are covered.
Bookies don't let you bet on the race after it's run. Insurance is the same principal.
2007-10-20 08:24:50 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
An employer plan where you are part of a group and the good and bad risks are balanced. Think logically, why should an insurance company take on a known problem that will be a guaranteed loser for it?
2007-10-20 06:10:02 · answer #3 · answered by Anonymous · 2⤊ 0⤋
You will find such programs only as part of employer sponsored health care insurance. If you are looking to purchase insurance as an individual, don't waste time searching. The programs do not exist.
2007-10-20 06:20:45 · answer #4 · answered by acermill 7 · 2⤊ 0⤋
Medicaid.
Don't let people like Mussolini Giuliani scare you with words like "socialized medicine".
EVERY HMO IS SOCIALIZED MEDICINE ON A SMALLER SCALE.
The taxes that you pay allow you to receive Medicaid and or Medicare and it also pays for the HMO's that provide medical care to those that pay the HMO directly for medical coverage.
2007-10-20 06:29:37 · answer #5 · answered by Anonymous · 0⤊ 0⤋
yes ... get a government job.
:-)
2007-10-20 05:56:52 · answer #6 · answered by Spock (rhp) 7 · 0⤊ 0⤋