Problems getting health insurance?

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Regular Member

Date Joined Dec 2004
Total Posts : 162
   Posted 9/19/2007 4:09 PM (GMT -6)   
I just changed jobs to a small company so they do not have health insurance but pay $200 a month straight to the insurance co. we choose.  I am on Cobra since I have reached my out of pocket.  My question is when I look for health insurance in January will I have a hard time getting it because of my pre-existing condition?  I didn't think that I would but I am starting to second guess myself.  Let me know if any of you have had a difficult time.  Thanks!

Veteran Member

Date Joined Dec 2006
Total Posts : 1986
   Posted 9/19/2007 6:09 PM (GMT -6)   
First of all, once you're done with Cobra they have to offer you a comparable policy. It won't be cheap, but they have to offer it. Since it's going to be expensive, you may want to find a new one, so you need to start looking now because you don't want a lapse in coverage. Usually, if there's no lapse, pre-existing conditions should be covered. A personal policy is going to be a little expensive because of your disease (I'm assuming you have CD), but you may be able to find an HMO with higher Co-pays that isn't outrageous. I would contact a broker, someone who can and will look at different insurance companies, not one that works for one company.

Alternatively, you could talk your employer into offering insurance since it's a small company. They don't have to pay all of it, or even any of it, but a group plan would be a better option for you, even small groups can get you a huge break in pricing. 

25+years diagnosed with CD. 
Numerous surgeries, permanent ostomy, adverse reactions to Remicade finally off of Prednisone, hoping for a long remission from this last surgery. 

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