Problems getting health insurance?

New Topic Post Reply Printable Version
[ << Previous Thread | Next Thread >> ]

Regular Member

Date Joined Dec 2004
Total Posts : 162
   Posted 9/19/2007 2:09 PM (GMT -7)   
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 4:09 PM (GMT -7)   
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. 

New Topic Post Reply Printable Version
Forum Information
Currently it is Sunday, December 11, 2016 3:11 AM (GMT -7)
There are a total of 2,736,257 posts in 301,364 threads.
View Active Threads

Who's Online
This forum has 151454 registered members. Please welcome our newest member, rmk1990.
137 Guest(s), 3 Registered Member(s) are currently online.  Details
Heatheranne87, lavendar, Steve n Dallas

Follow on Facebook  Follow on Twitter  Follow on Pinterest

©1996-2016 LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer