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6 Tips for getting insurance when you have a pre-existing medical condition
Millions of Americans face a similar problem: How do get individual health insurance when you have pre-existing medical conditions? Below are six tips on exactly how to solve this problem.
1. If you've been laid off and lost your company plan, ask for your COBRA coverage and pricing.
COBRA coverage is simply an extension of your company's benefits for up to 18 months. ( They may be extending it up to 36 months) Understand COBRA can be expensive, sometimes up to triple of what you were paying or having deducted at your previous job. The good news is that if you've been laid off since September 1, you may be eligible for a 65 percent discount on COBRA premiums. COBRA typically is your best option if you have a good plan at your work. This is the first thing to try, I recommend speaking to your HR department or you simply maybe receiving the COBRA forms in the mail. For more information on COBRA from the source, visit the Department of Labor's Web site.
2. Try to become a group of one.
In many states, you can be a group all by yourself for insurance purposes. What this means is that you are acting as a company to form a group plan just to include yourself or your family. The news reporters may say this is an easy thing to do, but its not. It can be done and you need to speak with a good independent agent who understands how to process this properly. The benefit to you and your family is that you will get a group plan which by law has far less stringent terms to qualify. The rates may or may not be better than getting a regular independent policy but your pre-existing conditions should be covered, which is the reason to go this route. This is your second best option.
3. Important ! : As soon as you lose your employers insurance plan, apply for new insurance within 63 days.
In every state with every insurance company, you must file for a new plan within 63 days or you will lose any benefits of your prior insurance coverage, such as credit towards pre-existing conditions waiting periods. This is referred to as your grace period in the insurance industry. If your previous group plan qualifies as credible coverage and sent you the credible coverage certificate at the end of your policy, you may be able to significantly reduce or waive any waiting periods for your conditions. You can see why this is such an important point. Also if you have to go with a costly HIPAA plan, you must file within 63 days to be eligible. For all the rules on HIPAA plans, check out the Department of Labors website about HIPPA Eligibility. Don't forget this tip!
To find out the HIPAA rules in your state, visit your state insurance commissioner.
4. Find out whether your state has a high-risk health insurance pool.
State high-risk health insurance pools are created specifically for people with pre-existing conditions who can't find affordable health insurance on their own. Thirty-four states currently have high-risk pools according to The National Association of State Comprehensive Health Insurance Plans (NASCHIP). To see a list of States which have these high-risk pools and links to each state department go to: States With Pools portion of the NASCHIP.org website.
5. Check out professional organization's that offer group insurance.
Many professional groups, such as those representing real estate agents, writers, freelancers in a variety of fields offer a health insurance plan through their association or even a group policy. You may be able to join their organization or if you are looking to now change career fields this may be a positive step and help you network with others in you job hunt. Many of these organizations have websites and give a lot of good information online, which makes your research easier. But don't forget to make the effort to call if necessary. Remember you only have 63 days, so don't procrastinate on this tip!
6. Look into Limited Benefit Plans and/or Guaranteed Acceptance Plans.
These plans are valuable to you if you simply cannot afford or access any of the plans previously mentioned. These plans are affordable, are available in most states, give nationwide coverage. Most importantly have guaranteed acceptance into their policies as long as your under 64 years of age. These are simply plans that you receive when you join the company's association for a nominal fee of under $5 plus the insurance premium.
cost ranging from $30 to $500 depending on the plan you choose; then as a member you get all the benefits including the health plan. This is a good option and one to compare to even if you qualify for COBRA. The key here is affordability but with limitations on benefits. Also I forgot to mention these plans do not typically have deductibles. So that may be a plus and cost saver for you.
The drawback to these plans is that most don't cover the pre-existing conditions for 6-12 months depending on the insurance company. But, you can use the other valuable benefits such as the doctors visits, the wellness exams, prescription benefits and the surgical benefits these types of plans offer. You need to study each plan in detail with an independent agent.