Getting Insurance With Pre-exisiting Conditions

Overweight can be an issue, as those considered morbidly obese are automatic declines. The sarcoidosis may be a bigger issue depending on the degree of infiltration of the disease, which organs (if any) have been affected, how long you have had the disease, and future treatments.

If you elect cobra when you leave your current employer you can continue that coverage for up to 18 months. That will afford you coverage for current conditions such as sarcoidosis.

Once cobra runs out you may be able to pick up a conversion plan in the state where you reside, or if fl has a high risk pool, you may be placed in that.

Small group laws vary from state to state (as do other laws governing insurance) so fl may be one of those states where 2 or more comprise a group. Even then most carriers do not consider a married couple to be considered 2 people but rather treat them as one.

Both husband and wife would have to be employed by the same company, not different companies. Payroll records would be required initially and ongoing to assure the carrier is insuring a valid group.

Most individual policies do not offer maternity benefits and most that do still have out of pocket expenses of $4000 or more. The maternity benefit is usually a dollar swap between the insured and the carrier, between the waiting periods and deductibles. You might be better off with a qualified hdhp and hsa to fund the delivery expenses.

Some states require coverage for complications of pregnancy even if the policy does not cover normal delivery.

Group plans, because of their mandatory compliance with hipaa are usually quite expensive relative to individual plans. It is not unusual to find a group plan costing double what comparable benefits would be in an individual plan.

Canada does have socialized medicine supported by a rather hefty income tax. Many canadians frequently travel to the us for elective procedures rather than wait 2 years or more until their turn comes.

Health care can be affordable as long as you are reasonable in what you want covered. Like anything else, the more you want the higher the price.

Bob vineyard, clu

I know it may seem like all hope is lost but there are companies out there who offer discount health plans. Could something like this help you?

They include both insured and uninsured benefits.

Ever hear of these guys? Http://www.Securahealth.Com

it's cheaper than insurance! That's for sure.

I have a website that may be helpful to you www.Mybenefitsplus.Com/bco rley it is very informative for people without insurance. This is not insurance but a supplement package at a reasonable cost.

Thanks
victor and beverly corley

I was dropped by mutual of omaha in dec. '03 (after twenty years and no claims) and have been living under great stress because I cannot get coverage now. Is there any hope for someone who is 60 years old and has parkinson's?

Ok,
here is an option
form a payroll with both you and your wife on it.
Then you can put a group plan in place. That way you could cover maternity. You must have both you and your wife on a w2.

Good luck
tony

Also, check out www.Deliveringonthepromise .Com/40289469

Take a look at ameriplan based in texas over 12 years old the largest of its kind in the usa. No waiting period, no annual limit, no deductible, no claim forms, pre-existing conditions o.K. - start right away! Http://www.Abenefitsplan4u.Com

good luck!

Rhonda

Greetings...

I believe massachusetts is a guaranteed issue state, which means pre-existing conditions will not apply.

Best wishes.

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