by The Broker
May 11, 2013 in Insurance jobs and educations
Do public health insurance companies (medicare, mediaid, veticare, CHIPS, and forgot the last one) practice that if you have a preexisting condition, you can be excluded?
Do private health insurance companies practice it?
Do employer-based health insurance practice it?
Do all health insurance companies practice it?
by The Broker
February 12, 2013 in Insurance jobs and educations
I’m currently covered through my employer-sponsored healthcare insurance provided by Anthem Blue Shield/Blue Cross of California. If I decide to accept a job with another employer and a different healthcare insurance company, will my pre-existing conditions be covered? One of those conditions was surgery to remove neuroendocrine tumors.
by The Broker
January 7, 2013 in Insurance jobs and educations
We had insurance until the 31st of October 2009 then my husband got laid off because they were rebuilding the company and he got rehired on the 25th of February. During that time i found out i have to get a procedure done but put it off cause of having to pay cash for it, so my question is when he got laid off he lost coverage and now that he is re-hired and i just called to reinstate our health coverage will they cover the cost of the procedure or does that fall into the pre-existing condition?
by The Broker
October 17, 2012 in Personal Insurances
I have a broken crown, heard it’d be about $1000 to repair.
Any kind of dental insurance would probably help with the cost, but not if it doesn’t cover pre-existing.
Yet if it covers pre-existing, seems like they’d lose money.
Any feedback on this?
by The Broker
September 15, 2012 in Health insurance
If there’s no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer. I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.
by The Broker
September 15, 2012 in Insurance jobs and educations
My wife (a teacher) recently started a new job and joined a group health plan. Before she started, she had health insurance continuously with her parents right up until the time she started as a teacher.
But the insurer denied benefits for a recent doctor’s visit, citing the preexisting condition clause. When we told the insurer about the other coverage, they said “they don’t do that.” Is this illegal under HIPPA?
by The Broker
August 21, 2012 in Insurance jobs and educations
Hello,
I recently left my job and group health coverage with BCBS in New York to go to college in Louisiana. Before making this decision I called the new insurance company for the university graduate students to ensure that they would cover my pregnancy. (I am now 6 months pregnant… I was only a few weeks pregnant when I first contacted them.)
Each time I called, they explained to me that pregnancy was a pre-existing condition, but if I had 12 months of previous continued group coverage without a significant break in coverage, they would waive the pre-existing condition. This was confirmed with follow-up phone calls and I even sent a few e-mails to get this in writing.
by The Broker
August 16, 2012 in Banking insurance
My family cover has just ended and I now have to get my own personal insurance. I have a pre-existing condition (nothing major) but I want it covered for in case it flares up. My current insurers, AXA ppp, have ask for an arm and a leg. Are there any other insurers that insure me for my pre-existing conditions or are able to act as an intermediary for AXA ppp and offer a better deal?
by The Broker
June 5, 2012 in Fire insurance
This is the longer version of Huckabees explanation of why pre-existing conditions (it’s like being able to buy fire insurance after your house burned down) and other schemes in ObamaCare won’t work. Third grade math is more complicated than the logic of why it will send health insurance premiums through the roof but that’s waaay to complicated for liberals. I’m betting premiums will at least triple within five years and then the dems will blame it on those evil insurance companies again and insist we have to go to single payer. Here are some facts: Insurance premiums increase an average of 25% per year since Massachusetts implemented universal health care www.youtube.com . According to the Boston Globe, they now have the highest premiums in the world. Canada has single payer and out of 20 countries they rank last in value for their health care dollar www.youtube.com . England has single payer. Survival for breast cancer is 79% compared to 90% in the US Do the math and it would mean an extra 24000 deaths per year in the US in just breast cancer alone. Medicare turns down claims two to three times as much as insurance companies do. Insurance companies have an average profit margin of 2.2%. Thats what the dems call evil www.youtube.com . Docs lose money on Medicare and Medicaid www.youtube.com www.youtube.com . People that pay insurance make up the difference in higher premiums. Now well be making up the difference for a lot more like paying for someone elses kid until age …
by The Broker
May 19, 2012 in Insurance jobs and educations
I have PCIP – it is federally funded insurance for high risk groups that cannot get other insurance. I pay $500 month which is good since I can’t get insurance for any price anywhere else. I didn’t drop insurance, my husband’s new job is for a small company and the insurance dropped me. I live in Arizona – a state that doesn’t offer high risk pool insurance.
If the supreme court kills obama care with that kill this program. PCIP is supposed to be funded until 2014 but I’m scared. I’m older 58 and have no other way of being insured. I do not qualify for medicare, medicaid and cannot buy real insurance at any price because of a hereditary condition. Any help appreciated.
I DO work. My company give “health insurance” that has a $3,000 life time cap. In other words 5 min in ER would be over the limit. I cannot find other work and I look all the time. My husband looks for new work all the time. We used to have good jobs and good insurance. We now do the best we can. I suppose if you are poor in this country, you better die quickly if you get sick.
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