Health Insurance question on preexisting condition...?

Somer Distilo: That's a loaded question. When you go from a GROUP policy to a PRIVATE policy, it depends on what state you are in, if they have to cover preexisting conditions. Most states, they can exclude coverage for those conditions, if they want to - or charge you extra, depending on what the conditions are.If that happens, you have to use an agent to apply for a HIPAA policy, in your state. It will cost more - sometimes a WAY lot more. You can also stay on cobra with your prior employer's plan, for up to 18 months, at your own cost. If I were you, I'd fill out a few applications NOW, and figure out what the cost and availability of health insurance is going to be, before you quit that job....Show more

Booker Moros: You would be better off taking COBRA from your company so you have continuous coverage until the new health care rules kick in.

Oda Mauson: It depends upon what the condition is and also which company. Each company has their own underwriti! ng guidelines and a health condition that would be a decline with one company may not be with another. Continually insured means little unless the condition is minor. Depending on the condition, your state, the insurance company, and the specific policy, there could be one of several outcomes. If it is a very minor condition being previously insured will probably waive the waiting period for coverage for that condition. Otherwise, the company could decline to accept you, accept you but not cover the condition (1 yr to permanent), accept you and cover the condition with an increase in premium. You need to contact a local agent that works with all of the major companies in your area. The agent can work with you to find out what each company will offer for your situation. They can explain what you get and, more importantly, what you don't get with each policy. There is no extra charge using an agent....Show more

Bruno Galasso: ~~It all depends on the condition you have. ! If it is controlled with a relatively reasonable costing medic! ation, your chances are maybe. If you pick just a major medical plan with a high deductible then chances will be better.Without the condition information it is difficult to give you an answer, all I can say is it is hard to qualify for private insurance, they may accept you with an exclusion for a certain amount of time on your condition. Best bet is to talk to a local agent who sells multiple brands, they can give you a much better idea. Also state laws vary this answer.~~...Show more

Dawn Saha: Depending on what the preexisting condition is, you might not be able to get new private insurance on your own at all. If you cannot get insurance through your new job, you might have to enroll in a ridiculously high cost (over $1000 per month) managed risk pool or other government program.