I currently work for a company that pays a portion of my husband's robustness insurance premimum.
They have announced that starting next year they will no longer cover home members. We have insurance through blue cross blue shield. Would it be possible to switch to individual coverage? My husband have several health problems and I would want to try to avoid the "pre existing condition" wait time. What are our options?
Thanks for your help!
Right...you can't just switch to an individual plan. Call an insurance broker to go over your option.
Well, if your husband have an employer that offers a group plan, you can switch over to their policy during open enrollment.
You're probably not going to hold a pre-existing conditon issue if you buy a private policy. That's because either they'll flat out refuse to cover him, or they won't cover the pre-existing conditions, PERIOD.
That keep on time, is only for a GROUP policy through an employer.
You need to acquire some quotes. I think when you see what the individual policies will cost, you'll find out that it's going to be less expensive, to reward for him, AND GET COVERAGE, through your employer's plan.
"> You can switch to an individual plan and avoid the waiting spell. As long as he doesn't go 62 days without coverage and you hold proof of his previous coverage, there will be no waiting period. I can sustain you get a good plan for a massively low price, email me at randydix(a)roadrunner.com and I will get you the number for the closest office to you.
Contrary to the above answer you cannot just switch to an individual plan and avoid the waiting period, next to BCBS or any other company. All individual policies are underwritten. Depending on his health problems he could be declined or the pre-existing condition could be ridered, which medium they will accept him but not cover his condition. If his pre-existing condition is minor, meaning it won't be ridered, they probably will waive the pre-existing clause.
Visit a local agent that works beside BCBS as well as the other major companies surrounded by your area. The agent can pre-screen your husband with the underwriters of the different companies to find out what they may do within his case, which could save you plentifully of time an agony. There is no extra charge using an agent.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the individuals that sell them need to be licensed nor insured. This technique you have little recourse when you have problems beside the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors certainly take these cards. It does you little good if you own to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the undamaged state that actually took the card and only one dentist who be on probation for unlawful activities so they banned the Dutch auction of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as resourcefully. Source(s): Independent Agent
Related Questions:
Thanks for your help!
Right...you can't just switch to an individual plan. Call an insurance broker to go over your option.
Well, if your husband have an employer that offers a group plan, you can switch over to their policy during open enrollment.
You're probably not going to hold a pre-existing conditon issue if you buy a private policy. That's because either they'll flat out refuse to cover him, or they won't cover the pre-existing conditions, PERIOD.
That keep on time, is only for a GROUP policy through an employer.
You need to acquire some quotes. I think when you see what the individual policies will cost, you'll find out that it's going to be less expensive, to reward for him, AND GET COVERAGE, through your employer's plan.
"> You can switch to an individual plan and avoid the waiting spell. As long as he doesn't go 62 days without coverage and you hold proof of his previous coverage, there will be no waiting period. I can sustain you get a good plan for a massively low price, email me at randydix(a)roadrunner.com and I will get you the number for the closest office to you.
Contrary to the above answer you cannot just switch to an individual plan and avoid the waiting period, next to BCBS or any other company. All individual policies are underwritten. Depending on his health problems he could be declined or the pre-existing condition could be ridered, which medium they will accept him but not cover his condition. If his pre-existing condition is minor, meaning it won't be ridered, they probably will waive the pre-existing clause.
Visit a local agent that works beside BCBS as well as the other major companies surrounded by your area. The agent can pre-screen your husband with the underwriters of the different companies to find out what they may do within his case, which could save you plentifully of time an agony. There is no extra charge using an agent.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the individuals that sell them need to be licensed nor insured. This technique you have little recourse when you have problems beside the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors certainly take these cards. It does you little good if you own to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the undamaged state that actually took the card and only one dentist who be on probation for unlawful activities so they banned the Dutch auction of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as resourcefully. Source(s): Independent Agent
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