Posted by Racer on December 1, 2007, at 11:26:48
In reply to Re: Familiar w/ U.S. insurance particulars? Help!, posted by ClearSkies on December 1, 2007, at 8:08:31
Sometimes the pre-existing coverage exclusion is temporary -- "this stuff won't be covered for [x] months" -- rather than permanent. On the other hand, the $3000 lifetime cap is just ugly.
I'm very sorry you're running into this. Like this sort of thing helps psychiatric problems! ARGH!
Some states have parity laws, I'm guessing yours doesn't? It's worth looking into that piece -- if there are parity laws, certain diagnoses will be covered, even if the insurance company thinks they're not.
And I do recommend talking to a really good insurance agent. I didn't end up getting individual insurance through the one I saw, because of a number of problems including cost, but at least it was someone who knew the system, knew what steps to take, and could walk me through the process without stresses on me. It's possible that there are options out there that could fix this for you, which you might not find on your own -- and it's possible that you could avoid trouble by working with someone who already knows where the pitfalls are dug.
Good luck, it's horrible that a good thing -- your husband's new and improved job -- comes with such a very bad thing attached to it.