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Redirected: applying to new insurance- need help

Posted by Dr. Bob on April 23, 2003, at 17:44:19

In reply to applying to new insurance- need help hok, posted by Dr. Bob on April 23, 2003, at 8:23:40

Re: applying to new insurance- need help

Posted by canwetalk on April 23, 2003, at 12:02:54

In reply to applying to new insurance- need help , posted by hok on April 23, 2003, at 0:11:13

Yes I can see your concern. My suggestion to you is talk it over with your psychiatrist and let him know your concerns. Perhaps he may have other patients who had similiar situations.

Insurance companies can be funny about "pre-existing condition." I do feel your psychiatrist could help you with this. Perhaps another way of phrasing it instead of what he put down. If in the past you had listed what it was and everything went smoothly for you why not list it the same way.

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Re: applying to new insurance- need help hok

Posted by Janelle on April 23, 2003, at 14:11:59

In reply to applying to new insurance- need help , posted by hok on April 23, 2003, at 0:11:13

I was in a similar situation - I had Blue Cross/Blue Shield Insurance, but for some reason and I forget what it was (I think it was because I was coming off COBRA and went directly to BC/BS I did NOT have to indicate any pre-existing conditions)

However, the premiums for BC/BS kept skyrocketing (so what's new?!!) so I went to another company and spoke in detail to the agent who was a very nice man whose wife is BiPolar and he told me that I really should disclose my condition on the application - that they would probably NOT reject me but rather waiver me out for depression & anxiety, which is exactly what they did - when I got my policy there was a separate page stating that they would not cover anything relating to these conditions for as long as I had the policy. Argh.

I did put through some claims for those conditions and sure enough I got letters telling me I was not covered for those conditions.

I eventually dropped that policy because it also began to skyrocket, even with a high deductible.

Now I'm without health insurance, which freaks me out. I do have coverage for the mental disability part but not for anything else. I will be going to a low cost clinic (yuck) but g-d forbid I have to go to the hospital - I'm screwed. I have seen what hospital bills cost and eeeeeeeeeeek.

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Re: applying to new insurance- need help Janelle

Posted by Snoozy on April 23, 2003, at 15:52:25

In reply to Re: applying to new insurance- need help hok, posted by Janelle on April 23, 2003, at 14:11:59

Hi Janelle-

some states have "high risk" health insurance pools, generally for people who can't get health ins. on their own. That might be worth looking into.

How are you doing with the drowsiness?

Snoozy


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poster:Dr. Bob thread:221712
URL: http://www.dr-bob.org/babble/social/20030421/msgs/221820.html