Insurance for pre-existing conditions

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RedDiane
Veteran Member


Date Joined Jun 2007
Total Posts : 906
   Posted 9/18/2008 1:37 PM (GMT -7)   
Hi, My husband is going to retire from his job in a couple of years. He'll only be 55 so he's planning on getting another one. We are both concerned that once he quits, we won't be able to find insurance that covers pre-existing conditions, like mine. Has anyone been through this or know of a company that will do this? rolleyes
Diane
Fibromyalgia since 1984, Sjogren's, Hashimoto's Thyroiditis, Auto-immune eczema, GERD, osteoarthritis, IBS, RLS, sleep apnea


Sherrine
Forum Moderator


Date Joined Apr 2005
Total Posts : 17101
   Posted 9/18/2008 2:09 PM (GMT -7)   
Diane, companies usually offer you something called COBRA.  You pay for that and it keeps you covered.  Meanwhile, when your husband gets another job, you will be insured but you should continue to use COBRA.  When you get new insurance, you will be covered if you haven't filed claims for an illness for six months.  I would use the COBRA for six months or more and then start filing claims through your new health insurance.
 
This information may be old.  That's what I did when my husband died.  Hopefully someone else will jump in here with other ideas.
 
Sherrine
Forum Moderator/ Fibromyalgia
***********************
Fibromyalgia, Crohn's Disease, Ostomy, Diabetes, Autoimmune Inner Ear Disease, Osteoporosis
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
God does not give us a spirit of fear, but of power and of love and of a sound mind.    2 Timothy 1:7


Dagger
Veteran Member


Date Joined Apr 2008
Total Posts : 1522
   Posted 9/18/2008 10:42 PM (GMT -7)   
It really depends on the type of insurance and the laws where you live. I know when I moved across the country and started a new job, I had immediate coverage without exclusions for pre-existing conditions. I hadn't had coverage for a few months but they never even asked. There was an open enrollment period of 30 days when I started work and as long as I signed the paperwork before the time limit, I was fully covered. I did not have to wait 6 months and I had had treatment for my pre-existing conditions about 3 1/2 months before I started the new job.

There is a law that requires insurance companies to cover you regardless of conditions as long as your previous policy hasn't lapsed more than 61 days. You can check with the insurance commisioner of your state to find out the laws and policies. A private policy you pay for yourself has completely different rules.

RedDiane
Veteran Member


Date Joined Jun 2007
Total Posts : 906
   Posted 9/19/2008 2:59 PM (GMT -7)   
Thanks for the info, Sherrine and Dagger, This may involve insurance in two different states, but since my DH works for an insurance company ( not health, though) maybe he can figure it out. Diane
Fibromyalgia since 1984, Sjogren's, Hashimoto's Thyroiditis, Auto-immune eczema, GERD, osteoarthritis, IBS, RLS, sleep apnea


Dagger
Veteran Member


Date Joined Apr 2008
Total Posts : 1522
   Posted 9/19/2008 6:31 PM (GMT -7)   
If he is planning to get the new job lined up before he retires, you'll be able to find out everything before hand. If the new company has a Human Resources Dept., they may be able to answer your questions and advise you. I'm pretty sure the laws of the state the policy is issued in take precedence over the laws where you live. Your state's insurance commisioner can help.

Always double check any information. The HR dept where I work is notorious for giving out inaccurate information. Everyone knows it but nothing is done about it. I only communicate with them by email now so I have written proof of whatever they tell me.
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