How can I acquire vigour insurance near a brain injury and epilepsy?
Am always refused because I own a "pre-existing condition."
Answers:
Unfortunately, this is why you stipulation to get insurance before you return with any serious pre-existing conditions. (I'm a diabetic, so I speak from personal experience.)
Please list your state. The options, if here are any, would vary widely from state to state; however, MOST (not all) states do have some thoughtful of high-risk pool where they are required to take you regardless of your vigour history. Unfortunately, they're also allowed to charge you in accordance to that fact, although some states do proffer a sliding scale for these plans based on income.
There are sometimes other option depending on the pre-existing condition. Some companies will write coverage for those with pre-existing conditions, but exclude coverage related to those conditions.
You really obligation to talk to an agent who has experience surrounded by dealing with helping insure those with pre-existing conditions. The certainty is, it's very time-consuming to assist those with pre-existing conditions surrounded by finding coverage options and baby-sit applications with extensive medical environment information required. (For instance, I once spent six and a half months helping a client appeal his original rejection. We did eventually achieve it resolved in his favor, but it was a boring and time-consuming process.) A lot of agents aren't willing to do it and many simply enjoy no idea how to go in the region of the process.
Make some phone calls in your nouns and ask for someone who specializes in health insurance. Tell them your situation and ask them specifically if they know of any local insurers who will set aside you either of the two options programmed above.
Good luck! Source(s): licensed agent: life & health, property & casualty
You will either enjoy to find a job that offers coverage or if your self employed you can set yourself up as a business group of 1
Can you try & apply for disability benefits through Social Security?
Try going to you states risk pool. The rates will be greater but they will cover you.
You're unlikely to get an individual policy.
If you're able to work, later group health insurance through an employer is your best bet. If you're unable to work, try Medicaid.
Otherwise, your solely option is if your state has a illustrious risk pool. But I'll be honest...just because you qualify for the high-risk pool through the state doesn't mean you'll know how to afford it. I worked for a very large robustness insurer in Ohio, and our policy through the state's high risk pool cost upwards of $15K per year. And even consequently with $15K in premiums, the coverage wasn't 100%...you still have deductibles and coinsurance.
The high risk pool insurance is really only worth it for someone who have such an expensive medical condition to treat that its still cheaper for them to have that ridiculous policy vs. being stuck beside the bills. Unless your medical bills are costing you upwards of $20K or more per year out of pocket anyhow the high risk pool through your state might not be worth it.
How long ago did you have the brain injury? I am assuming that the epilepsy is from your injury. Some companies look at an illness after ten years, but beside yours, I would not hold my breath. Just keep trying. In the state that I live in, in that is a pool, that gives people form insurance if they can not get it any where else, you might hail as your state board of insurance an see if there is a program in the state that you are living within. Best of luck, because everyone needs insurance. Source(s): I have be an insurance agent for over 30 years
Most insurance companies will not write insurance on someone who have preexisting health conditions. You may be able to bring insurance through an employer. Often, insurance companies will over look preexisting conditions on larger groups. If you are unable to work and have a spouse who can, they may know how to cover you under their insurance plan. Depending on your income, you may qualify for Medicaid, which is through the Federal Government. You might want to check with your local robustness and human services office or county health department. They should be able to direct you.
Sure you will.
If your state has a high risk condition pool, you can apply there. Or if you're eligible for SSDI, after 29 months you're eligible for Medicare.
The only OTHER pick you'll have, is with a group policy through your employer. Source(s): agent, 21+ years
You might bump into something but with a higher rate.
You own to keep on calling insurance companies and ask about coverage near a pre-existing condition.
Hm...
AFAIK, there are some possibilities of group insurances contained by US.
It works like health insurances offered by employer. YOu would have to search for yourself... dunno how it works exactly.
Your problem itself shows how lousy and critical the healthcare contained by US is. Here in Europe, you wouldn't be asked a darn thing... no issue how ill you are, you are covered(free). In fact, near your condition- you'd get other benefits/cash.
I'm sry to hear about your problems... hope you find your solution.
We enjoy been successful with a medical discount plan. There are no pre-existing condition confines. You can get good coverage for around $50 a month. Often next to the discounts I get with this plan I wage less than I used to for copays with insurance. Source(s): http://www.mybenefitsplus.com/cmcdowell
Once your husband starts his business, he could set aside health insurance to his employees. And if he's an hand of his own business, he could enroll in health insurance coverage for both of you. Then you would guaranteed to seize coverage. Then again, if you've had a lapse of coverage for more than 63 days, then the form insurance carrier could exclude coverage for your pre-existing coverage for up to 12 months, so it might not be very adjectives to you. Sucks.
Related Questions:
Answers:
Unfortunately, this is why you stipulation to get insurance before you return with any serious pre-existing conditions. (I'm a diabetic, so I speak from personal experience.)
Please list your state. The options, if here are any, would vary widely from state to state; however, MOST (not all) states do have some thoughtful of high-risk pool where they are required to take you regardless of your vigour history. Unfortunately, they're also allowed to charge you in accordance to that fact, although some states do proffer a sliding scale for these plans based on income.
There are sometimes other option depending on the pre-existing condition. Some companies will write coverage for those with pre-existing conditions, but exclude coverage related to those conditions.
You really obligation to talk to an agent who has experience surrounded by dealing with helping insure those with pre-existing conditions. The certainty is, it's very time-consuming to assist those with pre-existing conditions surrounded by finding coverage options and baby-sit applications with extensive medical environment information required. (For instance, I once spent six and a half months helping a client appeal his original rejection. We did eventually achieve it resolved in his favor, but it was a boring and time-consuming process.) A lot of agents aren't willing to do it and many simply enjoy no idea how to go in the region of the process.
Make some phone calls in your nouns and ask for someone who specializes in health insurance. Tell them your situation and ask them specifically if they know of any local insurers who will set aside you either of the two options programmed above.
Good luck! Source(s): licensed agent: life & health, property & casualty
You will either enjoy to find a job that offers coverage or if your self employed you can set yourself up as a business group of 1
Can you try & apply for disability benefits through Social Security?
Try going to you states risk pool. The rates will be greater but they will cover you.
You're unlikely to get an individual policy.
If you're able to work, later group health insurance through an employer is your best bet. If you're unable to work, try Medicaid.
Otherwise, your solely option is if your state has a illustrious risk pool. But I'll be honest...just because you qualify for the high-risk pool through the state doesn't mean you'll know how to afford it. I worked for a very large robustness insurer in Ohio, and our policy through the state's high risk pool cost upwards of $15K per year. And even consequently with $15K in premiums, the coverage wasn't 100%...you still have deductibles and coinsurance.
The high risk pool insurance is really only worth it for someone who have such an expensive medical condition to treat that its still cheaper for them to have that ridiculous policy vs. being stuck beside the bills. Unless your medical bills are costing you upwards of $20K or more per year out of pocket anyhow the high risk pool through your state might not be worth it.
How long ago did you have the brain injury? I am assuming that the epilepsy is from your injury. Some companies look at an illness after ten years, but beside yours, I would not hold my breath. Just keep trying. In the state that I live in, in that is a pool, that gives people form insurance if they can not get it any where else, you might hail as your state board of insurance an see if there is a program in the state that you are living within. Best of luck, because everyone needs insurance. Source(s): I have be an insurance agent for over 30 years
Most insurance companies will not write insurance on someone who have preexisting health conditions. You may be able to bring insurance through an employer. Often, insurance companies will over look preexisting conditions on larger groups. If you are unable to work and have a spouse who can, they may know how to cover you under their insurance plan. Depending on your income, you may qualify for Medicaid, which is through the Federal Government. You might want to check with your local robustness and human services office or county health department. They should be able to direct you.
Sure you will.
If your state has a high risk condition pool, you can apply there. Or if you're eligible for SSDI, after 29 months you're eligible for Medicare.
The only OTHER pick you'll have, is with a group policy through your employer. Source(s): agent, 21+ years
You might bump into something but with a higher rate.
You own to keep on calling insurance companies and ask about coverage near a pre-existing condition.
Hm...
AFAIK, there are some possibilities of group insurances contained by US.
It works like health insurances offered by employer. YOu would have to search for yourself... dunno how it works exactly.
Your problem itself shows how lousy and critical the healthcare contained by US is. Here in Europe, you wouldn't be asked a darn thing... no issue how ill you are, you are covered(free). In fact, near your condition- you'd get other benefits/cash.
I'm sry to hear about your problems... hope you find your solution.
We enjoy been successful with a medical discount plan. There are no pre-existing condition confines. You can get good coverage for around $50 a month. Often next to the discounts I get with this plan I wage less than I used to for copays with insurance. Source(s): http://www.mybenefitsplus.com/cmcdowell
Once your husband starts his business, he could set aside health insurance to his employees. And if he's an hand of his own business, he could enroll in health insurance coverage for both of you. Then you would guaranteed to seize coverage. Then again, if you've had a lapse of coverage for more than 63 days, then the form insurance carrier could exclude coverage for your pre-existing coverage for up to 12 months, so it might not be very adjectives to you. Sucks.
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