Health Insurance?
Hello, I currently have health insurance presently with my job that I've be with for 6 years. However, I'm going to be leaving the commission but do not want to be without health insurance. I do hold a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and have to have surgery about 2 months ago. I'm looking for individual insurance, no grating (I don't want to have to choose certain providers. That wouldn't work for me because my current doctor is one to be precise out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to hold a deductable, I don't want it to be very high! (not $1,000!). Does anybody know any option for me?
Answers:
Depending on the insurance companies in your state, the state laws, and how serious the injury/degree of seizure from the surgery, you may be able to get an individual policy. However, it is most predictable to recent to be approved for one. If/when you leave your place of employment, they will offer you any state continuation or COBRA coverage, allowing you to continue the work coverage for a certain time of time (usually 18 months). They will not medically underwrite you. It would be guaranteed. After a certain period of time (maybe a year (guess)) you will probably become eligible for an individual plan. Most insurance companies proposition a variety of deductibles, some starting at $0, but more common $250 - $10,000.
You should communicate with a local agent in your nouns to help you determine when you will become insurable again, based on the details of your rib injury and your retrieval. They will help you put together a plan of action. COBRA is expensive so you will want to achieve on an individual or another work plan as soon as you can.
To match up with a local agent, run to http://www.myinsurancequotes.net and complete the quote form. A local agent will call you and sustain you through this. They will know the local market and how the insurance companies underwriting departments work. I hope that help!!
Jared Balis
http://www.utahinsurance.org Source(s): Indidivual health insurance agent - five years
"Health insurance reviews should be done when looking for insurance a common insurance policy is that of an employer policy. If you are Self employed you would hold to look for your own policy. Individual policies do have a stigma of being expensive though, but the internet have brought forward a foray of online companies waiting in line for you custom."
A snippet I've taken from an excellent resource...check out: http://www.insightempire.com/Healthinsur…
I hope that help :D Source(s): http://www.insightempire.com/Healthinsur…
The canon allows you to continue coverage with your current insurance provider even if you are separated from employment. This is call COBRA. If you go to another new provider, most own a pre-existing clause exemptng your current injury, usually one year. If you get ANY new insurance, check the pre-existing conditions of the policy. If you choose the COBRA provision, you are responsible for adjectives premiums paid to them, not your former employer.
Your best option is to help yourself to the COBRA coverage when you leave your current employer - that way, the pre-existing condition will be covered.
A private insurer is NOT going to cover the pre-existing condition. Source(s): agent, 21+ years
cobra - you should be able to keep your current ins for 18 months and foot what your company was paying.
Related Questions:
Answers:
Depending on the insurance companies in your state, the state laws, and how serious the injury/degree of seizure from the surgery, you may be able to get an individual policy. However, it is most predictable to recent to be approved for one. If/when you leave your place of employment, they will offer you any state continuation or COBRA coverage, allowing you to continue the work coverage for a certain time of time (usually 18 months). They will not medically underwrite you. It would be guaranteed. After a certain period of time (maybe a year (guess)) you will probably become eligible for an individual plan. Most insurance companies proposition a variety of deductibles, some starting at $0, but more common $250 - $10,000.
You should communicate with a local agent in your nouns to help you determine when you will become insurable again, based on the details of your rib injury and your retrieval. They will help you put together a plan of action. COBRA is expensive so you will want to achieve on an individual or another work plan as soon as you can.
To match up with a local agent, run to http://www.myinsurancequotes.net and complete the quote form. A local agent will call you and sustain you through this. They will know the local market and how the insurance companies underwriting departments work. I hope that help!!
Jared Balis
http://www.utahinsurance.org Source(s): Indidivual health insurance agent - five years
"Health insurance reviews should be done when looking for insurance a common insurance policy is that of an employer policy. If you are Self employed you would hold to look for your own policy. Individual policies do have a stigma of being expensive though, but the internet have brought forward a foray of online companies waiting in line for you custom."
A snippet I've taken from an excellent resource...check out: http://www.insightempire.com/Healthinsur…
I hope that help :D Source(s): http://www.insightempire.com/Healthinsur…
The canon allows you to continue coverage with your current insurance provider even if you are separated from employment. This is call COBRA. If you go to another new provider, most own a pre-existing clause exemptng your current injury, usually one year. If you get ANY new insurance, check the pre-existing conditions of the policy. If you choose the COBRA provision, you are responsible for adjectives premiums paid to them, not your former employer.
Your best option is to help yourself to the COBRA coverage when you leave your current employer - that way, the pre-existing condition will be covered.
A private insurer is NOT going to cover the pre-existing condition. Source(s): agent, 21+ years
cobra - you should be able to keep your current ins for 18 months and foot what your company was paying.
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